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Non-Profit & Charity Insurance

Protect your mission, your people, and your organization with coverage designed for non-profits.

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What is Non-Profit & Charity Insurance?

Non-Profit & Charity Insurance provides tailored coverage for organizations that serve their communities. Non-profits face unique risks — from volunteer injuries and event liability to directors & officers exposure and donated property damage.

CrownRidge Insurance Group understands that non-profits operate on tight budgets while carrying significant liability. We work with specialized insurers to build affordable packages that protect your organization, your board, your volunteers, and the people you serve.

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Did You Know?

Board members of non-profit organizations can be held personally liable for decisions made on behalf of the organization. Directors & Officers (D&O) insurance is essential to attract and retain qualified board members.

What Does Non-Profit & Charity Insurance Cover?

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General Liability

Coverage for injuries or property damage occurring at your events, programs, or premises.

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Directors & Officers (D&O)

Protects board members and executives from personal liability for organizational decisions.

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Event Liability

Coverage for fundraisers, galas, community events, and public gatherings.

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Volunteer Accident

Medical coverage for volunteers injured while performing duties for your organization.

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Property & Contents

Protect your office space, equipment, donated goods, and program materials.

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Professional Liability

Coverage for errors in professional services your organization provides — counselling, advice, etc.

Who Needs Non-Profit & Charity Insurance?

Registered charities
Community organizations
Religious institutions
Youth & sports organizations
Social service agencies
Arts & cultural organizations

Frequently Asked Questions

Do non-profits really need insurance?+
Absolutely. Non-profits face the same liability risks as for-profit businesses — plus additional exposure from volunteers, events, and board governance. Many grants and facility rentals require proof of insurance.
What is Directors & Officers insurance and why do non-profits need it?+
D&O insurance protects board members from personal financial liability for decisions they make on behalf of the organization. Without it, board members could be personally sued — making it difficult to recruit directors.
How much does non-profit insurance cost?+
Costs vary based on organization size, activities, number of volunteers, and events. Small non-profits may pay $800–$2,500 annually, while larger organizations with complex operations could be $5,000+.

Questions About Your Coverage?

Our licensed brokers are ready to help you find the right fit.