Non-Profit Insurance
Non-profits exist to serve others, but they carry real risk doing it. Non-Profit insurance gives charitable organizations the specialized protection they need when a liability claim, a board decision, or an unexpected event threatens the mission they have worked to build.
Protecting the Mission Behind the Organization
Running a non-profit means managing volunteers, events, employees, donors, and a board of directors, all while operating under public scrutiny and tight financial constraints. A slip and fall at a fundraiser, a discrimination claim from a former employee, or a lawsuit challenging a board decision can generate costs that most non-profits are simply not equipped to absorb.
General Liability
Covers third-party bodily injury and property damage claims arising from your organization's activities, events, and facilities, including incidents involving volunteers, donors, and the communities you serve.
Directors and Officers Liability
Protects board members from personal financial liability when their decisions or actions as organizational leaders are challenged by employees, donors, regulators, or other third parties.
Employment Practices Liability
Covers claims made by employees or volunteers alleging wrongful termination, discrimination, harassment, or other employment-related grievances that arise from your organization's operations.
Commercial Property Coverage
Protects your organization's owned or leased space, equipment, furniture, and program materials against fire, theft, vandalism, and other covered perils that could disrupt your operations and programs.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Small Organizations
Smaller organizations often operate with minimal staff, heavy volunteer involvement, and limited financial reserves. The right policy protects your programs, your volunteers, and your leadership from claims that a tight budget simply cannot absorb.
Large Organizations
Larger organizations managing multiple programs, significant assets, and paid staff face layered liability across every department and every initiative. Comprehensive coverage ensures every aspect of your operation is protected at the scale your mission demands.
Small Charity or Large Foundation, This Coverage Supports Your Work
Non-profits of every size and mission type carry real liability exposure that goodwill alone cannot protect against. Whether you run a small community organization or a large regional charity, your coverage needs to reflect the full scope of your activities and the people involved in carrying them out.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Are volunteers covered under our non-profit insurance policy?
Volunteers can be covered under certain components of a non-profit policy, but the specifics depend on how your policy is structured. General liability typically extends to volunteer activities conducted on behalf of your organization. However, volunteers are not employees and are not automatically covered under workers compensation. If a volunteer is injured while serving your organization, the liability picture can be complicated. Discussing how your policy addresses volunteer injury and liability with your agent ensures there are no gaps in how your most valuable people are protected.
Does D&O coverage protect individual board members personally?
Yes, and this is one of the most important reasons non-profit board members should insist on it. D&O coverage protects individual directors and officers from personal financial liability when their organizational decisions are legally challenged. Without it, board members can face out-of-pocket legal costs simply for volunteering their time and expertise. This coverage is especially critical for non-profits because many board members serve without compensation and should never face personal financial risk as a result of good-faith leadership decisions.
Do we need insurance if we are a small all-volunteer organization?
Yes. Organization size does not reduce liability exposure. A volunteer-run community group hosting a public event carries the same premises liability risk as a fully staffed non-profit. If someone is injured at your event, your organization can be named in a lawsuit regardless of how many paid employees you have. General liability coverage is the essential foundation for any non-profit that interacts with the public, hosts events, or operates in any shared or public space, no matter how small the operation.
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Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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