Business Insurance
Non-Profit Insurance
Non-profits run on tight margins with rotating volunteers, public-facing events, and boards of directors who often serve unpaid. The exposure profile is unique: you need coverage for the directors, the volunteers, the events, and the people you serve. All of it on a budget that has to leave room for the mission.
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Who we cover
Registered charities, social enterprises, religious organizations, and community groups, each has slightly different needs.
- Registered charities and foundations
- Religious organizations and faith-based groups
- Social services and youth programs
- Sports clubs and amateur leagues
- Cultural organizations, theatres, galleries
- Community associations and neighbourhood groups
What's typically included
Non-profit policies usually combine general liability with directors' & officers' coverage. The D&O piece protects board members personally, a non-negotiable for attracting volunteers to your board.
- Commercial general liability
- Directors' & officers' liability (D&O)
- Abuse and molestation coverage (critical for youth-serving orgs)
- Volunteer accident coverage
- Event liability for fundraisers and galas
- Property: office space, contents, donated inventory
- Cyber and donor-data privacy
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
What moves the premium
Non-profit rates are usually moderate, but specific activities (working with minors, large public events, providing direct services) can shift the underwriting picture significantly.
- Annual revenue and donation volume
- Whether you serve vulnerable populations (kids, seniors)
- Number of volunteers and how they're vetted
- Public events: frequency and attendance
- Real estate ownership vs. office rental
- Past claims, especially abuse-related
Ready for a quote on non-profit insurance? Talk to a real broker who specializes in it.
Frequently Asked Questions
Do Non Profit Organizations Need Insurance?
Non Profit Insurance protects non profit organizations and charities from the several risks that could arise from their good intentions. Non Profit Insurance protects your charitable organization against fiduciary liability damages, professional malpractice, and potential body injuries. You likely need a policy if:
- You have a company office space or work from home
- Conduct business with clients in multiple locations
- Have Staff or Volunteers offer advice or guidance services
- Your company stores confidential or client information/data
- Your company has a board of advisors
How much does Non Profit Insurance Cost?
Non Profit Insurance premiums are usually moderate, but the activities your organization runs and the people you serve change the underwriting picture. Cost factors include:
- Company Size & Location
- Projected Revenues
- Number of Employees
- Services Being Provided
- Experience Levels
What does Non Profit Insurance cover?
Non Profit Insurance protects your charitable organization against fiduciary liability damages, professional malpractice, and potential bodily injuries. Coverage typically includes:
- Commercial General Liability Insurance
- Directors & Officers Liability Insurance
- Cyber Liability Insurance
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
Still have questions? We'll quote it, explain it, and let you decide.
Other Insurance We Offer
We're partners with over 120 Canadian insurance providers and cover the full range of personal and commercial insurance. If you need it, we likely write it.
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