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5 Best Nonprofit General Liability Insurance Companies 

No matter the cause — arts, pets, healthcare, children, the homeless, hunger, and more — the leaders of nonprofits are singularly focused on the work their organizations do. They often don’t pay attention to things like securing adequate insurance coverage, which could leave them vulnerable.

Nonprofits are not immune to the kinds of risks other businesses face, including injuries, property damage, and lawsuits. A single accident, injury, or lawsuit is all it often takes to bankrupt a nonprofit and put it out of operation. General liability insurance is a core coverage for nonprofits. It provides protection against a wide range of negligent and unintentional acts that result in bodily injury and property damage. It also covers advertising errors that cause harm.

In this article, we’ll cover everything people running nonprofits need to know to get affordable general liability coverage to protect their organizations.

Top 5 providers of general liability insurance for nonprofits

Here are our recommendations of the 5 best for different reasons. 

CoverWallet: Best for nonprofits that want to compare quotes quickly

CoverWallet is a cutting-edge insurance provider. The firm has developed its own state-of-the-art platform, based on its own algorithms, to ensure it is able to connect nonprofits and other businesses with all the insurance they need, including general liability coverage, at the most reasonable price possible. The platform makes it quick and easy to get quotes from several providers at once, making it possible to compare prices and coverage from highly reputable insurers all on a single screen.

The firm’s experts have used their extensive experience to make sure you only have to input the information about your organization needed to generate quick and accurate quotes. The entire process should take less than ten minutes.

You can feel confident knowing that CoverWallet is a part of Aon, an established company that provides advice on things like risk, health, and retirement.

Once you get your quote, CoverWallet makes it easy to purchase a general liability policy or complete insurance package online or through an agent. When you get your general liability policy through CoverWallet, it’s simple to manage your coverage online, including downloading a certificate of insurance, filing a claim, renewing your insurance, and more. This is great for busy managers of not-for-profits.

Here is a sample nonprofit general liability quote from CoverWallet.

Nonprofits Insurance Alliance: Best for coverage exclusively for nonprofits 

Nonprofits Insurance Alliance is a group of 501(c)(3) nonprofit insurers. The organization’s sole purpose is to serve other 501(c)(3) organizations by providing a stable source of reasonably priced liability and property insurance tailored to the specialized needs of nonprofits. They also help organizations to develop and implement loss control and risk management programs.

The organization has been around since the 1980s. They were founded because nonprofits at the time were unable to secure affordable insurance coverage. More than 21,000 not-for-profits in 32 states and the District of Columbia have turned to Nonprofits Insurance Alliance for their liability and property insurance needs. The nonprofits they cover include animal rescues, children’s programs, group homes, senior groups, art programs, food banks, community groups, foster family agencies, and more. 

Nonprofits Insurance Alliance will request that you fill out an online form to request a quote and will send your quote back to you.

Travelers: Best for nonprofits that want coverage from an industry leader

Travelers is a leading provider of general liability insurance in the United States. The company has been in business for more than 165 years and is the only property casualty company in the Dow Jones Industrial Average.

Travelers is known for its:

  • Flexible solutions. It has insurance packages tailored to different types of nonprofits that can be customized for individual organizational needs.
  • Responsive and reliable service. An experienced professional is always available to answer your questions about nonprofit general liability coverage and other types of insurance or to help you with a claim.
  • Innovation. Even though Travelers has been around for a long time, it’s known as a leading innovator in the insurance industry.

In the end, Travelers offers quality general liability and other types of protection for nonprofits. You owe it to yourself to see if this industry leader could be the right provider for your organization.

AmTrust Financial: Best for nonprofits that need customized coverage

AmTrust is a relatively small insurance provider that specializes in business and workers’ comp coverage. What AmTrust lacks in size, it certainly makes up for in service. 

AmTrust and their agents make it possible for organizations to customize their coverage based on their individual requirements, something many insurers are unable to do. The firm works closely with their agents to design the specific insurance packages businesses need. 

AmTrust has excellent customers service ratings and their coverage is surprisingly affordable especially when you consider the level of customization they offer. 

biBerk: Best for low-cost general liability coverage

biBerk is known for being a low-cost insurance provider. Low-cost insurance doesn’t equate to cheap insurance. Despite saving money on your general liability and other insurance, you can rest assured knowing you’re still getting quality protection for your organization. biBERK is able to lower insurance costs by almost 20 percent because it insures nonprofits directly, without the added costs of having to work through a middleman or insurance broker.

biBerk is a part of Berkshire Hathaway, a company headed by well-known investor Warren Buffett. It’s a firm that has millions of satisfied customers that’s been insuring people and organizations for more than 75 years.

Some nonprofits will find it challenging to get a quote from biBerk because it doesn’t insure many of the types of work nonprofits do.

What does nonprofit general liability insurance cover?

General liability insurance helps pay for property and other types of damage that occur as a part of doing business. It also helps cover injuries that happen on your not-for-profit’s property. 

Typically, general liability insurance can help cover claims related to:

  • Third party property damage caused by an employee while conducting business 
  • Medical costs if someone gets hurt when visiting your nonprofit
  • Reputational harm resulting from malicious slander, libel, wrongful eviction, violating a person’s privacy, and more
  • Advertising issues, such as copyright infringement and mistakes on your website.

What does general liability insurance not cover?

General liability insurance provides very specific types of coverage. It doesn’t cover all aspects of your not-for-profit or the risks it could face.

Here are some examples of things that are definitely not covered:

Why nonprofits should get general liability insurance

States don’t require not-for-profits to carry general liability insurance. However, it’s a good idea for them to have it. 

Consider these examples of what could happen to an unprepared and unprotected organization.

  • A nonprofit provides opportunities for ex prisoners to do cleaning work. A worker mops a floor at a client’s office and forgets to put out cones and signs warning that the floor is slippery. An office worker slips and falls on her way to the restroom. She breaks a hip, which requires significant, expensive medical and rehabilitative care. The office worker sues the nonprofit for the cost of her care.
  • A nonprofit organization runs a transitional housing program for people recovering from alcohol and drug abuse. People who are a part of the program are required to pay a small amount of rent and take part in recovery related activities. One client wasn’t doing either, so after consulting with legal counsel, the nonprofit had the client removed. The client files a lawsuit claiming millions of dollars in personal harm and emotional distress.
  • A not-for-profit animal shelter retrains dogs and makes them available to new owners. One day, a person visiting the shelter to find a new pet trips over a dog food bowl and injures herself. She breaks a wrist and is unable to work for six weeks. She sues the shelter for medical costs and lost wages.
  • A nonprofit holds a street fair that includes a jerry rigged zip line for children. A young girl falls off, suffering a leg fracture that has to be surgically repaired. The child’s parents sue the organization for negligence.

In all these cases, if the nonprofit had general liability insurance, it would help pay the medical and legal expenses related to these incidents. If they did not, it’s likely the costs would be enough to put most of them out of operation.

That’s why general liability is one of the most popular coverages for nonprofits. 

How much does nonprofit general liability insurance cost?

Nonprofit organizations pay a median of $55 a month for a general liability insurance policy.

The price of general liability coverage can vary more than almost any other type of insurance. It’s dependent on many factors, including type of not-for-profit, size of the operation, condition of property, and the specific risks faced by the organization. The cost of this coverage can range from several hundred to many thousands of dollars a year.

The best way to ensure you’re paying a fair price for your general liability coverage is to get quotes from multiple providers. That way, you can compare coverages and costs to find the best combination for you. If you have any doubts, speak with an experienced insurance agent. 

>>MORE: How Much Does General Liability Insurance Cost?

How to find cheap nonprofit general liability insurance

Here are some tips to help you find the coverage you need at a fair price:

  • Shop around for the best value. Get quotes from a few companies or compare the multiple quotes generated by a service like CoverWallet. 
  • Don’t stop shopping around. Make sure you get new quotes before you renew your policy.
  • Take advantage of discounts. If they’re not offered to you when getting a quote, ask about them, whether you’re buying online or through an agent.

Taking these steps will help ensure you’re not paying too much for your general liability coverage.

>>MORE: The Cheapest General Liability Insurance Companies

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