2026 Calculator
Nonprofit Insurance Calculator
Estimate your 501(c)(3) organization insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does nonprofit insurance cost in 2026?
Nonprofit insurance typically costs $2,000-$6,000 per year for a small to medium organization. Costs depend on your budget size, number of employees and volunteers, activities, and whether you work with vulnerable populations (children, elderly).
What insurance does a 501(c)(3) need?
Nonprofits need: General Liability (event injuries, property damage), Directors & Officers (protects board from lawsuits), Property coverage (equipment), and often Volunteer Accident insurance. Some funders require specific limits for grants.
Why is D&O insurance important for nonprofits?
Directors & Officers liability protects board members personally if the organization is sued for mismanagement, discrimination, or fiduciary breaches. Many qualified board members won't serve without D&O protection. Employment claims are the #1 D&O risk.
Does nonprofit insurance cover volunteers?
Standard GL covers liability if a volunteer injures someone, but NOT if the volunteer is injured. Volunteer Accident insurance covers medical costs if your volunteers are hurt while serving. This is highly recommended for organizations with active volunteer programs.
Do nonprofits get discounted insurance rates?
Some insurers specialize in nonprofit coverage and offer competitive rates. 501(c)(3) status doesn't automatically mean lower premiums, but insurers consider the generally lower-risk nature of most nonprofit activities. Shopping with nonprofit-focused insurers helps.