Nonprofits and Social Services Organizations

When No Good Deed Goes Unpunished

If your business is helping others, LoPriore Insurance can guide you and find the insurance protection specifically tailored to the unique challenges you face.

Non-profit Insurance Coverage - LoPriore Insurance Agency 781-438-1375


As a director or officer of a non-profit organization, you risk a potential lawsuit each time you make a decision or vote on a motion. And, even if the lawsuit is unfounded, you could still wind up in court, placing your assets in jeopardy and running up thousands of dollars in legal defense costs. In the end, you could end up losing money even if you win the suit.


Non-Profit and Social Services organizations are at risk for all the standard insurable exposures of other businesses, and as such, are eligible to purchase the types of policies described to other firms. Also, they have unique exposures not covered by standard commercial policies. LoPriore Insurance Agency can custom tailor policies to meet these exposures, including a broad definition of insured to include medical directors, administrators, and any person under your supervision and control, including volunteers as insured’s. Coverage may be added for fundraising events, abuse and molestation coverage, workplace violence, emergency vacating expenses, and myriad other coverages that may be critical for survival in the face of losses.


YOUTH PROGRAMS: Youth recreation centers, Child and youth services, Daycare

EDUCATION: Private elementary schools, Vocational, Adult education, Special education, Student services and organizations

HEALTH: Mental health treatment (excluding medical), Vocational rehabilitation, Programs for the developmentally disabled, Substance abuse programs (post detox.)

FAMILY SERVICE: Battered victim shelters, Temporary housing, Rescue missions

HOUSING SUPPORT & SERVICES: Independent living, Halfway home/transitional living, Group residential

MISCELLANEOUS: YMCAs and YWCAs Thrift stores, Animal shelters, Community action programs, Grant making, organizations/foundations, Social clubs, Food programs


Does the Non profit - Social Service policy cover legal defense expenses if I have a claim?

Yes, legal defense expenses are included in the policy and are outside of the limit of liability. Bottom line, you will still have the full limit of liability for each individual claim.

What does Claims-Made coverage on my policy mean?

A claims-made policy will provide professional liability coverage for you for incidents that happen between the effective date and the expiration date of your policy. The claim must be reported while the policy is in force. An Extended Reporting Period Endorsement, or “tail,” is necessary to protect against allegations presented after the policy expires.

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    LoPriore Insurance Agency
    LoPriore Insurance Agency
    426 Main Street Suite 2
    Stoneham, MA 02180-2650
    Fax: 781-438-6790
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