Non-profit organizations serve critical missions but face real financial risks. Board liability, volunteer injuries, donor data breaches, and employment claims can all threaten the organization's ability to continue its work. Proper insurance protects the mission.
D&O Insurance for Non-Profit Boards
Non-profit board members can be held personally liable for mismanagement, financial decisions, and regulatory violations. D&O insurance covers defense costs and settlements, and is essential for attracting qualified board members who want to know they're protected.
Volunteer & Event Liability
Volunteers are the backbone of most non-profits, but they also create liability exposure. If a volunteer is injured during service, or causes injury to others, the organization can be held responsible. We build programs that include volunteer accident coverage and event-specific liability.
Employment Practices for Non-Profits
Non-profits with paid staff face the same employment risks as for-profit companies — wrongful termination, discrimination, and harassment claims. EPLI coverage is critical, especially as non-profits often lack the HR infrastructure of larger organizations.
Frequently Asked Questions
What insurance does a California non-profit need?
At minimum: General Liability, D&O, and Workers' Comp (if you have employees). Most funders and grantors also require proof of insurance as a condition of funding.
Are board members personally liable?
Yes, California law allows personal liability for board members in certain situations, even for volunteer boards. D&O insurance provides defense and indemnity for covered claims.
Does insurance cover volunteer injuries?
Standard GL may not cover volunteer injuries adequately. We add volunteer accident coverage that pays medical expenses regardless of fault, protecting both the volunteer and the organization.