Nonprofits and Social Service Organizations

Commercial Insurance

No Good Deed Goes Unpunished

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 personal 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 have all of the insurable exposures of other businesses, and as such are eligible to purchase the types of policies described for other businesses. In addition, they have unique exposures not covered by standard commercial policies. We 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 included 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.

Organizations that Need Coverage


  • Youth recreation centers
  • Child and youth services
  • Daycare


  • Private elementary schools
  • Vocational
  • Adult education
  • Special education
  • Student services and organizations


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


  • Battered victim shelters
  • Temporary housing
  • Rescue missions


  • Independent living
  • Halfway home/transitional living
  • Group residential


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