Nonprofit Insurance for Pennsylvania Organizations
Nonprofit Insurance Programs
Tailored coverage for your people, property, and mission—built for nonprofits across Lancaster, New Holland, York, Harrisburg, and beyond.
Nonprofits face many of the same risks as businesses, plus unique exposures tied to boards, volunteers, fundraising, and vulnerable populations. A nonprofit insurance program brings those protections together in one coordinated plan so your organization can stay focused on its mission. Community Insurance works with charities, community groups, faith-based organizations, and other nonprofits throughout Lancaster County and across Pennsylvania to build practical, budget-conscious coverage. We’ll help you understand your options, meet funder and contract requirements, and design a program that reflects how your organization really operates.
General Liability Insurance
Helps protect your organization if someone alleges your operations caused bodily injury, property damage, or personal and advertising injury. This is the coverage that responds to slip-and-fall incidents at your facility, damage to a rented space, or certain claims tied to your communications and outreach.
Nonprofit Property Coverage
Covers buildings you own, improvements to leased spaces, office contents, equipment, and other property your nonprofit relies on. If a covered cause of loss such as fire, theft, or certain weather events damages your facility or equipment, this portion of the policy helps with repair or replacement so services can continue.
Directors & Officers (D&O) Liability
Protects board members, officers, and the organization itself against certain management-related claims—such as allegations of mismanagement, misuse of funds, or failure to follow bylaws. D&O coverage is especially important for nonprofits with active boards, grant funding, or employees.
Abuse & Molestation Coverage
For organizations that work with children, seniors, or other vulnerable populations, abuse and molestation coverage can be critical. It’s designed to respond to certain allegations of abuse within the organization’s programs, helping protect the nonprofit’s ability to continue serving the community.
Professional / Errors & Omissions Liability
If your nonprofit provides counseling, advisory, educational, or other professional-style services, professional liability coverage can help protect against claims that your services caused a financial or non-physical loss. We’ll review your programs to determine whether this coverage is appropriate.
Business Auto & Hired/Non-Owned Auto
If staff or volunteers drive on behalf of the organization—using owned vehicles, rentals, or personal cars—auto-related liability needs to be addressed. Nonprofit insurance programs can incorporate business auto and hired/non-owned auto coverage to help protect the organization if a serious accident occurs.
Workers’ Compensation & Volunteer Accident Coverage
For nonprofits with employees, workers’ comp is often required and helps protect staff injured on the job. Some organizations also consider volunteer accident coverage to provide limited medical benefits for volunteers injured while serving, reinforcing your commitment to those who support your mission.
Cyber & Data Breach Coverage
Even small nonprofits can handle sensitive information such as donor records, payment data, and client files. Cyber coverage can help with certain costs related to data breaches, notification, credit monitoring, and system recovery, depending on the policy.
Who Typically Needs Nonprofit Insurance Programs
Nonprofit insurance programs are designed for organizations that serve the community, manage funds, and rely on a mix of staff, volunteers, and boards. If your work involves events, programs, fundraising, facilities, or vulnerable populations, a structured insurance plan is essential.
Common Organizations That Rely on Nonprofit Insurance:
- Charitable and humanitarian organizations
- Community centers and youth programs
- Faith-based organizations and religious institutions
- Arts, cultural, and educational nonprofits
- Social service agencies and counseling programs
- Advocacy groups, clubs, and membership organizations
- Foundations, associations, and community development groups
No two nonprofits are the same—your mix of services, locations, staff, and volunteers will shape what coverage makes sense. We’ll help you sort through the options and build a program that fits your mission and your budget.
Our Process for Designing Nonprofit Insurance Coverage
Instead of squeezing your organization into a standard business policy, we start by understanding your mission, programs, and people. Then we design a nonprofit insurance program that reflects your real-world exposures—from board decisions and fundraising events to transportation and day-to-day operations.
Learn Your Mission & Programs
We start with a conversation about who you serve, what services you provide, where you operate, and how your programs are structured.
Review Contracts, Grants & Requirements
We look at lease agreements, funder requirements, and partner contracts to identify minimum coverage and limit expectations.
Quote Multiple Nonprofit Carriers
As an independent agency, we compare options from carriers that understand nonprofit risks and offer specialized forms and endorsements.
Review & Adjust
We walk through each proposal in plain language, explain where coverages overlap or leave gaps, and adjust limits and options so leadership can make informed decisions.
Implement & Support
Once coverage is in place, we assist with certificates for events and partners, answer questions from boards and funders, and schedule reviews as your programs evolve.
How Nonprofit Coverage Fits with Property, Auto, and Mor
Nonprofit insurance programs often bring multiple policies under one coordinated umbrella—general liability, property, auto, and specialized coverages like D&O or abuse and molestation. Your organization may also need workers’ compensation for employees, cyber liability for donor and client data, and an umbrella policy to increase limits over core coverages. Our goal is to help you see how each policy plays a role in protecting your mission, your people, and your reputation, while avoiding unnecessary gaps or overlaps.
Nonprofit Insurance - Commonly Asked Questions
Frequently Asked Questions
Why does my nonprofit need specialized insurance instead of a standard business policy?
Nonprofits face unique risks tied to boards, volunteers, fundraising, and vulnerable populations that standard business policies don’t always address well. Specialized nonprofit insurance can include protections like D&O liability and abuse and molestation coverage, and can account for the way volunteers and donors interact with your organization. We’ll help you see where nonprofit-specific coverage is important and where standard business policies may still apply.
What is Directors & Officers (D&O) insurance, and do we really need it?
D&O insurance helps protect board members, officers, and the organization against certain claims related to management decisions—such as allegations of mismanagement, misuse of funds, or failure to follow bylaws. Because nonprofit leaders often make difficult decisions with limited resources, D&O coverage can be crucial for attracting and retaining qualified board members. We’ll review your governance structure and recommend appropriate limits.
Are volunteers covered by our nonprofit insurance?
It depends on how your policies are written. General liability typically addresses third-party claims, which can include injuries to visitors or participants, and some policies extend certain protections to volunteers acting on your behalf. However, volunteers are not employees, and coverage for their own injuries may be limited without specific volunteer accident or similar endorsements. We’ll review your policies and discuss how volunteers are included.
What insurance do we need to host events or fundraisers?
Events can add exposures related to premises liability, alcohol service, vendors, and large crowds. Depending on the size and nature of your event, you may need to confirm existing coverage, increase limits, or purchase special event insurance. We’ll look at your event plans, location requirements, and any venue contracts to make sure your nonprofit is properly protected.
How can we manage insurance costs while working with a tight nonprofit budget?
Budget pressure is a reality for most nonprofits. We’ll help you prioritize essential coverages, choose sensible limits and deductibles, and explore carrier programs designed for nonprofits. Good risk management—such as safety practices, background checks where appropriate, and clear policies—can also help minimize claims over time. Our goal is to strike a balance between protecting your mission and respecting your financial constraints.
Ready to Protect the Mission You Work So Hard to Serve?
If your nonprofit is making a difference in the community, your insurance program should support that work—not get in the way. Community Insurance is here to help organizations in Lancaster, New Holland, York, Harrisburg, and across Pennsylvania understand their risks, design practical nonprofit insurance programs, and adjust coverage as their missions grow and change.