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Non Profit Insurance

Social Services Insurance Main Page
Protecting Contractors and Special Trades

If you manage a nonprofit organization or social services agency, you’ll inevitably confront a range of risks tied to your choices. Lawsuits arising from these issues can swiftly deplete your financial resources and put your organization’s sustainability at stake. LoPriore Insurance is dedicated to helping you find personalized insurance solutions to shield your nonprofit from potential risks.

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Massachusetts Non Profit Insurance
Lopriore Insurance Agency

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At LoPriore Insurance, we acknowledge the unique challenges and uncertainties that social service organizations encounter while providing essential support to their communities. That’s why we’ve designed specialized Social Service Insurance solutions to safeguard your organization’s operations. Our experienced team is committed to tailoring coverage that precisely aligns with your organization’s specific needs, ensuring the protection of your assets, liability coverage, and the continuity of your vital services.

Our comprehensive range of Social Service Insurance options covers various aspects of your organization’s operations, providing protection against potential liabilities and unforeseen risks that could impact your mission. Through strategic partnerships with leading insurance providers, we offer high-quality policies that provide peace of mind, allowing you to focus on serving your community with confidence.

In times of unexpected challenges or liabilities, LoPriore Insurance is your dependable partner, ready to assist you in securing the foundation of your organization. Let us navigate the complexities of Social Service Insurance for you, ensuring you can continue your crucial work with the assurance that your best interests are at the core of our services.

Understanding the Importance of
Non Profit Insurance

The purpose of Non Profit insurance is to provide financial protection and liability coverage for social service organizations, safeguarding their assets, ensuring legal compliance, and allowing them to focus on their mission of serving their communities.

What is It?

Non Profit Insurance is a policy designed to provide coverage for directors and officers of social services and nonprofit organization when facing a lawsuit. Decisions and votes made by the directors and volunteers of a nonprofit organization can lead to lawsuits that could cost you thousands of dollars in legal and defense costs–even if you win the suit.

Why Do I Need It?

Nonprofit organizations face the same risks as other businesses. They also face risks that for-profit businesses are unlikely to encounter. The right insurance policy can help you cover gaps related to high-risk situations and protect an organization with volunteers.

Who Is It For?

Any nonprofit organization can benefit from nonprofit insurance, including

• Youth programs
• Education
• Health
• Family service
• Housing support and services
• Miscellaneous other organizations

How To Insure My Charity or Non-Profit

To insure your charity or nonprofit organization effectively, start by evaluating your specific risks and liabilities related to your activities and beneficiaries. Then, reach out to insurance providers specializing in nonprofit insurance to customize coverage tailored to your organization’s unique needs, considering options like general liability, directors and officers (D&O) liability, property insurance, and potentially specialized coverage such as professional liability or cyber liability insurance. Review policy limits and deductibles carefully to align them with your financial capacity, and implement risk management practices to reduce potential liabilities. Stay informed, ensure compliance with legal or contractual requirements, budget for insurance costs, and consider seeking professional guidance from insurance advisors or attorneys with nonprofit expertise to guarantee your organization’s mission is protected.

Non Profit Insurance - How to Insure

Tips for buying Non Profit Insurance

When insuring your social service organization withNon Profit Insurance, it’s essential to make informed decisions to ensure comprehensive protection for your operations and the people you serve. Here are some vital tips to consider:

Assess Your Needs

Evaluate the specific risks and liabilities your social service organization faces, including the populations you serve and the nature of your activities, to determine the types and amounts of coverage required.

Consider Directors and Officers Insurance

If you have a board of directors or officers, consider adding Directors and Officers (D&O) liability insurance to protect them personally from legal actions related to their roles in the organization.

Stay Compliant

Ensure that your insurance coverage complies with any legal or contractual requirements, and keep your policies up to date.

How much does Non Profit Insurance Cost?

Non Profit Insurance - Cost

Determining the cost of Non Profit Insurance can be quite variable and contingent on a range of factors specific to each organization. Elements influencing the cost include the type and extent of coverage required, the organization’s size and revenue, the nature of services offered, geographic location, past claims history, deductible choices, risk management practices, and even the insurance provider itself. Given this complexity, it’s challenging to provide a precise cost without a comprehensive understanding of an organization’s circumstances. For an accurate estimate, it is highly advisable to engage with insurance providers or brokers who specialize in nonprofit and social service insurance. These experts can conduct a thorough assessment of your organization’s unique needs and situation, ultimately providing you with customized quotes tailored to your requirements and financial capabilities.

Factors that Affect The Cost Of Non Profit Insurance

Given the variability of these factors, it’s challenging to provide a specific cost without more information about your organization’s size, location, services, and insurance needs. To get an accurate estimate for Social Service Insurance, it’s advisable to reach out to insurance providers or brokers who specialize in nonprofit and Non Profit insurance.

Coverage Types
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Nature of Services
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Protect Your Non Profit Organization
Request Your Non Profit Insurance Quote Today

Protect your mission and secure your future. Get the right Non Profit Insurance today. Contact us for a personalized quote and ensure your organization’s valuable work is safeguarded.

Non Profit Insurance Coverage Options

Discover comprehensive Non Profit Insurance coverage options tailored to your organization’s unique needs. Safeguard your mission and clients with a range of policies designed to protect against liabilities, property damage, and unexpected events.

Coverage Details

While nonprofit organizations are similar to businesses, failing to purchase specialized insurance coverage can leave you exposed to risks. Your nonprofit is exposed to a variety of risks through the services you provide to the community as you may be liable for accidents that occur on the premises, or damages related to lawsuits of alleged negligence or misinformation resulting in losses for a third party. Nonprofit insurance is a customized policy designed to provide protection to all nonprofits including:

Shelters (homeless, battered victim, etc.)
Substance Abuse Centers
Childcare Centers
Chuches and Religious Institutions
Food Programs
Youth Services
Home Health Care
Animal Shelters
Residential Living
(including halfway houses, residential group housing, transitional housing)
Rescue Missions
Private Schools
Adult Education Facilities
Mental Health Treatment Centers
Social Clubs
Grant Making Organizations

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Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

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Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Security, Extra Peace of Mind

Request a free Social Service Insurance quote today and fortify your organization against unforeseen challenges, whether you’re providing essential services or engaging in community support. Our expert team will customize coverage options to safeguard your valuable mission, providing peace of mind throughout your organization’s operations.

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Non Profit Insurance FAQs

Yes, legal expenses are included in the policy and don’t affect liability limits. You will still have the full limit of liability for each individual claim after paying defense costs.

A claims-made policy provides professional liability protection for incidents that occur while the policy is active (between the effective date and expiration date of your policy). It’s important to remember that claims must be reported while the policy is in force. An extended reporting period endorsement (or tail) can be added to protect you against allegations made for an agreed-upon period of time after the policy expires. 

Nonprofit organizations may run a variety of programs under one umbrella, exposing them to a bigger variety of risks. Additionally, nonprofits often work with vulnerable populations including seniors, children, and troubled teens. Nonprofits need insurance to cover volunteers and coverage for medical malpractice and social service professional risks. Simply put, the insurance needs of nonprofits are often more complex than those of a business with a single focus.

There are many factors that help determine the coverage you need such as the size of the organization and the unique risks you face. Many community-based social services and non-profit organizations purchase in excess of $1 million in coverage. However, if your organization has significant assets, you may need to purchase a commercial umbrella policy for higher limits to ensure you have the right protection.

Accidents and injuries (automobile or slip and fall accidents) that occur on the premises of a nonprofit location or the location of a nonprofit special event are the most common claims that occur. Other claims include improper employment allegations, sexual abuse, and professional errors or negligence.

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What Others Are Saying About Us!

Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Raquel Salois'
Raquel Salois'
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
Always responsive, professional and helpful.
Devin Cole
Devin Cole
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
LoPriore has been amazing to work with, they handled our insurance (Auto & Home) needs quickly, efficiently, and professionally. Working with Maria was seamless and stress-free. Not only did we save money, but we have a REAL person to connect with for any questions, concerns or general updates that arise. We are no longer just a number that is forgotten! Thank you!
Mona Hansley
Mona Hansley
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno