Non‑Profit Insurance
Guardian Insurance Agency
Be there for others with coverage that’s there for you.
No two non‑profits are alike. Your mission, programs, facilities, and people shape your risk. A tailored non‑profit insurance program protects your organization, your board and staff, your volunteers, and your reputation so you can focus on serving the community.
What coverage does your non‑profit need?
Start with the risks that come from who you serve and how you operate:
- Do you work with vulnerable populations (elderly, disabled, youth) who may be at greater risk of injury?
- Do you transport clients or participants or rely on staff/volunteers to drive on behalf of the organization?
- Do you provide services or advice where shortcomings could cause financial harm or claims?
- Do you host events and use venues that require specific insurance wording on certificates?
- Ordinance or Law (increased costs to meet current codes after a covered loss).
From those answers, we build the right set of protections.
Core coverages most non‑profits carry
- General Liability (GL): Bodily injury/property damage for visitors, clients, and participants.
- Commercial Property: Buildings, contents, and tenant improvements.
- Business Income & Extra Expense: Keep cash flow steady while you repair after a covered loss.
- Directors & Officers (D&O): Protects board and officers from governance‑related claims (alleged wrongful acts).
- Ordinance or Law (increased costs to meet current codes after a covered loss).
- Employment Practices Liability (EPLI): Hiring/firing, harassment, discrimination, retaliation.
- Workers Compensation: Staff injuries (add Volunteer Accident/Medical where appropriate).
- Crime/Employee Dishonesty: Theft of funds or securities; add ERISA fidelity bond if you sponsor benefit plans.
- Cyber Liability: Data breaches, ransomware, and privacy/regulatory response.
Program‑specific options to consider
- Abuse/Molestation Coverage: With strict prevention protocols for youth/elder programs.
- Professional Liability / E&O: For counseling, case management, advisory or training services.
- Hired & Non‑Owned Auto (HNOA) / Commercial Auto: If staff/volunteers drive personal or rented vehicles, or you own vans/buses.
- Event Liability: Venues often require Additional Insured, Primary & Non‑Contributory, and Waiver of Subrogation wording on COIs.
- Participant Accident: Secondary medical benefits for camps, classes, and athletic programs.
- Inland Marine: Mobile equipment, exhibits, musical instruments, laptops off‑site.
Who needs non‑profit insurance?
Tax‑exempt organizations such as volunteer fire departments, unions, religious organizations, recreational clubs, charities, arts groups, advocacy orgs, and human services providers all benefit from tailored coverage.
Why it matters
The right insurance helps protect your organization from professional mistakes, lawsuits, financial strain, bankruptcy exposure, and damage to reputation keeping your mission on track.
What determines price
Premium depends on location, organization size, staff/volunteer counts, transportation exposure, type of programs, data posture, loss history, and the limits/deductibles/endorsements you select.
Policies for your staff and directors
Confirm how the policy distinguishes between organizational liability and personal liability for directors and officers. If you employ staff, include EPLI to address claims of harassment, discrimination, retaliation, and related employment issues. Combine these with Workers Compensation, Crime, and Cyber to close common gaps.
The Guardian way
Non‑profit insurance is there for you so you can be there for others.
We’ll tailor a program to your mission and operations and deliver clean COIs fast for venues and grantors.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705