Non-Profit Insurance to Protect Your Mission
Your organization exists to serve others, and you work hard to stretch every dollar. The right insurance program helps protect that mission so that one accident, allegation, or property loss does not threaten everything you have built.
Ingram Insurance Group provides tailored insurance solutions for non-profit organizations across OH, KY, WV, TN, PA, MI, and FL. Whether you operate a small community program or a multi-site organization, we help you secure coverage that fits your operations, your people, and your budget priorities.
Coverage That Supports How You Serve
non-profits face many of the same risks as any business, along with unique exposures related to volunteers, fundraising events, and boards of directors. You need coverage that reflects how you actually operate, not a one-size-fits-all policy.
We work with non-profits of various sizes and missions to help identify their key risks and align them with appropriate insurance solutions. From property and general liability to protection for your leadership, we focus on what is most important for the long-term health of your organization.
Common insurance solutions that are important for non-profit organizations include:
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General liability insurance to help protect against claims of bodily injury or property damage related to your operations or activities
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Property insurance for buildings, contents, equipment, and other physical assets your organization depends on
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Business auto insurance for vehicles you own and use for programs, deliveries, or transportation of staff and participants
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Professional liability and directors and officers coverage to help address claims related to decisions, oversight, or certain professional services
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Workers’ compensation coverage where required, to help address employee injuries that occur in the course of work
Our goal is to help you understand how these coverages work together so you can choose an insurance program that supports your mission and risk tolerance.
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Directors and Officers Insurance
Risk Factor
What happens if a board member invests the non-profit's assets unwisely and loses everything? A creditor might sue the non-profit as well as its directors and officers. Non-profit organizations are not immune to lawsuits. It’s possible someone may disagree with the way you run the organization and file suit. Oftentimes, non-profits don't have deep pockets to fight these types of lawsuits, therefore putting the organization at risk.
Solution
Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.
General Liability Insurance
Risk Factor
Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen that make your non-profit susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.
Solution
General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.
Workers' Compensation
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Commercial Property Insurance
Risk Factor
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your organization.
Solution
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Employment Practices Liability Insurance (EPLI)
Risk Factor
On average, it's estimated that three out of five businesses will be sued by their employees. Claims can stem from just about anything, such as someone taking a joke the wrong way and being offended. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.
Solution
The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.
Business Income Insurance
Risk Factor
What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Solution
Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as a data breach or cyber attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
Professional Liability
Risk Factor
Lawsuits can happen to anyone, and the damages can be hefty whether you win or lose. Even if you’ve done nothing wrong, you’ll need to defend yourself. So regardless of whether a contract requires it, without professional liability coverage, you could be putting your business’ future at risk.
Solution
Similar to directors and officers liability insurance, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment. It covers not only directors and officers, but also staff, volunteers, and the non-profit organization itself.
What to Expect When You Work with Us
When you reach out about non-profit insurance, we start by asking questions about your work. We want to understand what you do, who you serve, where you operate, and how your programs are structured. This gives us a clear picture of your day-to-day operations and the risks you face.
From there, we review your current insurance, if you have it, and discuss where you may be underinsured or paying for coverage that does not fit your organization. We then present options in clear terms, outlining what each coverage can help protect and where you may have choices in limits, deductibles, or policy structure.
Throughout the process, we prioritize straightforward explanations. Our role is to help you make informed decisions that support your organization, your board, your staff, and your volunteers.
Why Non-Profits Choose Ingram Insurance Group
As an independent insurance agency based in Dayton, Ohio, Ingram Insurance Group is not limited to a single insurance company. We have access to multiple carriers, which allows us to look for options that align with your non-profit’s size, activities, and risk profile across the states we serve.
We also bring a strong background in insuring property and business exposures, which is valuable for non-profits that own buildings, manage multiple locations, or operate vehicles. Whether your organization is focused on community services, education, faith-based initiatives, or other charitable work, we aim to provide coverage that respects both your mission and your budget.
non-profit leaders and boards face enough decisions. Our approach is to simplify the insurance discussion so that you can focus your time and resources on the people and communities you serve.
Frequently Asked Questions About non-profit Insurance
What types of non-profits can you help insure?
We work with a range of non-profit organizations within our service states, including those that own or lease property, operate programs in the community, or employ staff. If you are unsure whether your organization fits, we can review your activities and discuss available options.
Do volunteers need to be included in our insurance coverage?
Volunteers can be involved in activities where injuries or property damage occur. General liability policies often address third-party claims, and there may be options related to volunteer exposures. The specifics depend on the policy and the insurer, so we review your volunteer use when discussing coverage.
If we rent space for events, are we covered under our regular policy?
Some non-profit policies may extend to rented locations, but requirements vary by landlord or venue. We can review your existing coverage and typical event plans to determine whether you need additional protection or specific certificates of insurance for certain events.
Is business auto insurance necessary if staff use their own vehicles?
If employees or volunteers drive their own cars for organizational business, there can be exposures for both the driver and the organization. Depending on your policy and insurer, there may be ways to address this risk. We will ask about how often and in what way personal vehicles are used so we can discuss appropriate options.
How often should our non-profit review its insurance program?
It is generally wise to review coverage at least annually, or whenever your programs, staffing, property, or locations change in a significant way. Growth in services or new activities can affect the type and level of coverage that makes sense for your organization.
Protect Your Mission With the Right Coverage Today
Ensure your organization is ready for the unexpected with tailored coverage from Ingram Insurance Group. Explore your non-profit insurance options with our team, or contact us today to get started on a customized plan for your non-profit.
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