Coverage Guide
Nonprofit Insurance Coverage Guide
D&O, volunteer, and 501(c)(3) organization coverage
D&O Coverage Essential for Board Recruitment
Many qualified board members refuse to serve without D&O protection. Employment claims are the #1 D&O risk for nonprofits. Protect your board to attract top talent.
Coverage Types
General Liability
Premises, events
$1,500
Base Annual
Directors & Officers
Board member protection
$2,000
Base Annual
Business Property
Equipment, supplies
$800
Base Annual
Volunteer Accident
Volunteer injury
$500
Base Annual
Nonprofit Type Rate Factors
| Type | Description | Rate Factor |
|---|---|---|
| Charitable Organization | General charity | ×1 |
| Private Foundation | Grantmaking | ×1.15 |
| Religious Organization | Church, mosque, temple | ×0.9 |
| Educational Institution | Schools, tutoring | ×1.1 |
| Advocacy/Political | Policy, lobbying | ×1.35 |
| Social Services | Direct client services | ×1.25 |
*Advocacy organizations have higher rates due to political/legal risks