Non-profit Insurance

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Insurance for Non-profits

Available in all 50 states!

We want to help you grow a healthy non-profit organization.  As an independent insurance agency, you can rest assured we will always have your best interests at heart.  Strengthen your business by taking advantage of all the tools and resources offered to our clients.

Call us at (877) 606-1375 with your toughest non-profit insurance questions!

We can insure

All non-profits.  Examples include:

  • Arts, culture, humanities
  • Churches
  • Cognitive disabilities
  • Community action programs
  • Counseling and mental health
  • Education
  • Environmental
  • Faith-based organizations
  • Family couseling and family service agencies
  • Health and human services
  • Hospice
  • In-home companion care
  • Membership or public benefit
  • Easter Seals Societies
  • Rehabilitation services
  • Schools
  • Senior citizen services and centers
  • Social services, all forms and operations.
  • Substance abuse
  • United Cerebral Palsy associations
  • United Way agencies
  • Vocational rehabilitation and training

We Offer

  • An entire suite of insurance companies with tailored non-profit insurance programs.
  • Expertise with prompt, courteous service.  Each of our clients is assigned a personal agent and given a phone number that rings on their desk.
  • Highly competitive pricing
  • Directors & Officers Liability
  • Abuse and Molestation coverage
  • Liquor liability (fundraisers)
  • Special events coverage, on or away from premises
  • General Liability
  • Employment Practices Liability Insurance
  • Workers Compensation
  • Property
  • Commercial Auto
  • Employee Benefits Liability
  • all Others

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At Bankers Insurance, the client is always in control.

Non-profit Success!

Non-profit organizations are leaner and operate on thinner budgets than their for-profit counterparts.  But this doesn’t mean they need to skimp on insurance coverage.  On the contrary, Bankers Insurance specializes in this industry and offers tailored non-profit insurance packages at industry-leading pricing.  Let us listen to you, understand your organization, and provide a no-obligation risk analysis so you know where your exposures lie.

Depending upon operations, non-profits often have members and clients on-site.  If not there, they can be found working out in the community.  And often, much of the work force is comprised of volunteers.  Wherever you accomplish your work, whatever it may be, let us provide a non-profit insurance package that is big on coverage, lean on price.

Non-Profit Insurance Quote

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Non-Profit Insurance Highlights


Property

Non-Profit Insurance Property

Each of our non-profit insurance packages can include property coverage which covers:

  • All buildings, rented/leased locations, outbuildings, and warehouses
  • Business Personal Property (contents)
  • Contents off-site
  • Contents of others, including members and clients
  • Inventory and stock
  • Blanket coverage available
  • Business Income with Extra Expense (reference our business income calculator, an MS Excel spreadsheet)
  • Computer systems, software, and the expense of data restoration
  • Employee dishonesty, including pension plan (ERISA) compliance
  • Computers and media
  • Money and securities, including that of your clients
  • Equipment breakdown
  • Flood

 


Liability

Non-Profit Insurance Liability

Liability protection for even the toughest non-profit insurance classes.

  • General Liability
  • Professional Liability / Errors & Omissions
  • Directors and Officers Liability
  • Abuse and Molestation coverage
  • Cyber liability
  • Volunteers as insureds
  • Employment Practices Liability Insurance
  • Legal expense for innocent insureds
  • Rental/lease agreement contractual liability
  • Medical payments, including members and clients
  • Liability due to damage to rented/leased premises
  • Employee Benefits Liability
  • Blanket additional insureds available

 


Business Auto / Truck

Non-Profit Insurance Business Auto
  • Non-owned (employee-owned or borrowed) vehicle liability:  A critical addition to your non-profit insurance package.  Inexpensive, broad coverage.
    • This coverage is needed if your employees or volunteers drive their own vehicles on behalf of the non-profit.  This could be as simple as picking up mail or going on a supply run.  Should they be in an accident while working for the non-profit and your organization be sued as a result, non-owned auto liability coverage protects the organization.
  • Hired (rented) vehicle liability
    • To protect your organization if it ever utilizes rented vehicles
  • Physical damage for volunteers’/employees’ autos and hired/rented autos
  • Owned vehicles
    • Personal passenger type vehicles
    • Vans, trucks, and even semi-tractors and trailers.
  • Lease / Loan gap
  • Rental reimbursement
  • Towing and labor
  • Blanket additional insured

 


Workers Compensation

Non-Profit Insurance Workers Compensation

Workers compensation insurance protects your employees should they be injured in a work-related injury. Health expense and disability coverage related to the injury is unlimited. Usually written as a separate policy, but an important part of a thorough non-profit insurance package. Read more on how Bankers Insurance can help control your workers compensation costs.

  • Guaranteed cost, traditional programs
  • Retrospective rating plans (retro plans)
  • High deductible programs
  • Self-insured plans
  • Risk-retention groups
  • Captives
  • Experience modification reviews
  • Worksite safety programs

Other Coverages and Options

Non-Profit Insurance Other

More optional coverages for your non-profit insurance package.

  • Cyber Liability / Data Breach
    • If your organization stores personal information on paper or electronically on employees, members, or clients, we highly recommend this optional coverage.  It is also applicable if your non-profit accepts credit card payments.  Media liability for advertising and website content is also a concern.
  • Computer fraud
  • Crisis response
  • Flood and earthquake
  • Identity theft
  • Key employee
  • Management liability packages
    • Directors and Officers Liability
    • Employment Practices Liability Insurance
    • Employee Benefits Liability
  • School Board Legal Liability

Services for Non-Profits

We recognize your organization’s effectiveness doesn’t happen by chance.  Non-profits succeed through hard work, determination, and the sacrifices of  employees, donors, and volunteers.  We want you to win so that you can serve your clients and members with distinction.  To that end, we not only provide non-profit insurance packages, but a menu of tools and resources to help manage your organization effectively, safely, and with excellence.  Review all of Bankers’ value-added client services.

The below services are provided by Bankers Insurance and/or the insurance carrier.  Services may vary depending upon insurance carrier:

  • Assistance in obtaining and maintaining CARF/JCAHO/COA accreditation
  • Documented safety manuals and procedures
  • Thermographic infrared surveys
  • Complete risk surveys and reviews
  • Building Valuation
  • Employee background screening
  • Driver safety programs
  • Driver screening and training programs, including defensive driving instruction, 15 passenger van safety, and emergency evacuation training
  • Driver monitoring programs
  • Emergency evacuation training
  • Employee manuals tailored to your non-profit’s needs
  • Best practices assessment / gap analysis
  • Contractual liability consultation
  • Workers compensation experience modification analysis
  • Exposure reduction consultations
  • Regulatory guidance

Further Resources

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be non-profit insurance experts.  Take advantage of our experience.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific organization.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: