Nonprofit Insurance in Washington and Idaho
Nonprofits carry most of the risks of a business plus a few of their own: volunteer boards making decisions that can be challenged, volunteers working with the public, events, donor data, and grant agreements with insurance requirements. The board members who give their time should not be giving their personal assets too.
What usually goes wrong
- Claims against the board over decisions, funds, or governance
- Employment claims from staff, and sometimes volunteers
- Injuries at events and programs
- Donor and client data exposure
- Grant and venue contracts that require specific coverage
The coverage we typically build
- Directors & OfficersPersonal protection for founders, directors, and officers when management decisions are challenged.Details
- General LiabilityInjury and property damage claims from customers, clients, and the public. The policy most contracts require.Details
- Employment Practices LiabilityWrongful termination, discrimination, harassment, and retaliation claims from employees and applicants.Details
- Cyber LiabilityRansomware, data breaches, and wire fraud. The claim small businesses are now most likely to file.Details
- Commercial UmbrellaExtra liability limits above your GL, auto, and employers liability, usually at a lower cost per dollar.Details
Directors and officers coverage for a nonprofit often includes employment practices liability, since employment disputes are a frequent source of claims against small organizations.
The gap we see most
Many nonprofits buy general liability for events and assume the board is protected. It is not. Claims against directors and officers for management decisions, including employment decisions, need a D&O policy, and qualified board members often ask to see it before they join.
Insurance by trade
Licensing, contract requirements, and the coverage we build for each.
- Insurance for Churches and Religious Organizations in Washington and Idaho
Insurance for churches, ministries, and religious organizations in Washington and Idaho: property, general liability, sexual misconduct and abuse coverage, D&O for boards, volunteers, and the mandatory child abuse reporting rules that now include clergy in Washington.
Stories from nonprofits
Illustrative stories: what each business came in for, and what the review found.
Common questions
Does a small nonprofit need directors and officers insurance?
Usually, yes. Board members can be named personally in claims over decisions, funds, or employment. D&O protects them and the organization, and many qualified candidates will not join a board without it.
Are volunteers covered by our insurance?
It depends on the policy. Volunteers can often be added as insureds under general liability and D&O, but injuries to volunteers themselves may need separate accident coverage. Check how your policies define who is insured.
Do grants require insurance?
Many grant agreements, venue contracts, and government contracts set minimum general liability limits, and some require additional insured status or cyber coverage. Send the agreement to your broker before you sign.
Insurance for nonprofits, reviewed line by line.
Send us what you have. We review it line by line against your leases and contracts, and tell you plainly what is missing. Free, and no obligation.