Most nonprofits start with General Liability, Property (or Business Personal Property), Directors & Officers (D&O), Workers’ Compensation (if they have employees), and Cyber. Many also consider Employment Practices Liability (EPLI) and coverage for volunteers and special events.

D&O helps protect the organization and its board/leadership from claims alleging mismanagement, breach of duty, or decisions that lead to financial harm. It can cover defense costs and settlements subject to policy terms.

Board members are generally addressed by D&O; volunteers may be included under General Liability for third-party injury or damage. Some nonprofits add Volunteer Accident or endorsement language to clarify protections.

Many policies include incidental events, but larger or higher-risk activities (auctions, 5Ks, alcohol service) may require specific event endorsements or a separate special event policy. Always confirm requirements from venues and municipalities.

If you serve vulnerable populations (youth, seniors, disabled persons), dedicated Abuse & Molestation coverage is critical. Carriers often require background checks, training, and two-adult rules as risk controls.

EPLI addresses claims such as wrongful termination, discrimination, harassment, and retaliation brought by employees, applicants, and sometimes volunteers or third parties, depending on the policy.

Cyber coverage can help with data breaches, ransomware, and payment fraud, including IT forensics, legal counsel, notification, credit monitoring, PR, and business interruption. Pair insurance with MFA, backups, and staff training.