5 Best Nonprofit General Liability Insurance Companies 

Thang Truong
Thang Truong
Updated on:

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.

Simply Business: Best for comparing quotes and affordable monthly payment plans

Similar to CoverWallet, Simply Business is another top digital broker specializing in offering small business insurance. They work with several leading insurance companies and can help you get and compare several quotes in one place. We should also note that the insurance companies that Simply Business works with may be different from those that CoverWallet works with, so get quotes online from both brokers will give you more quotes to compare and more options to choose from.

In addition, Simply Business offers a great monthly payment plan to all of their small business customers, instead of annual payment without increasing the annual premiums. If your nonprofit is tight on cashflow, this is a great option so that you can still maintain the coverage without going out of cash.

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.

InsurePro: Best for pay-per-day general liability coverage

InsurePro is a new and innovative broker specializing in small business insurance. They offer an innovative insurance solution to small businesses, including nonprofits, who may need insurance coverage for shorter periods than the annual conventional standard, even just a few days. This essentially helps nonprofit pay for general liability insurance only when they really need it and save them a lot of money.

InsurePro also offers a great digital experience. You can get a quote online in 5 mins. If you are happy with the quote, you can buy the policy online and download the certificate of insurance immediately. Going forward, you can also manage the policy completely online.

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

Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

More Stories

9 Best General Liability Insurance Companies for 2024

General liability insurance is probably the most popular business insurance that almost all businesses should have. It is required for some professions such as construction. The good news is that many insurance companies offer this product, so it is easy to find one that is the best for your business. In our intensive research, here […]

9 Best Commercial Auto Insurance Companies & Quotes in 2024

If you use your vehicles for work, you need to get a commercial auto insurance policy. Your personal auto insurance policy won’t cover the vehicles when you use for business. Commercial auto insurance is necessary when cars, trucks, or vans are used to conduct business. We cover everything you need to know about commercial auto […]

The 5 Best Business Owners Policy (BOP) Insurance for 2024

A Business Owner’s Policy (or BOP Insurance) is important to any small business to cover potential damages and losses when unexpected events happen. A BOP policy includes the coverages of general liability, commercial property, and business interruption in one master policy. If a small business can only afford one insurance policy, it should be a […]

11 Best Professional Liability Insurance Companies for 2024

If you’re a small business and in the market for professional liability insurance, below are 11 best companies offering this type of insurance for small businesses. In order to get an idea of the prices where online quotes were offered, we looked at a hypothetical accounting business in Wisconsin that had been in business for […]

Milepost Joins Truckstop: A New Dawn for Commercial Truck Insurance

The trucking industry is about to witness a significant shift in how insurance policies are procured, managed, and serviced. Milepost Insurance Agency LLC, a renowned Berkshire Hathaway enterprise, has recently collaborated with Truckstop, thereby pioneering a new era in trucking insurance for independent owner-operators. Revolutionizing the Insurance Experience The primary aim behind this dynamic partnership […]

Navigating Commercial Truck Insurance Premiums in 2023

Commercial truck insurance has become a focal point for many in the transportation sector as we delve deeper into 2023. With premiums seeing significant spikes in recent years, stakeholders are asking: Are we approaching a stabilization or even a decrease in these rates? Insights from industry experts provide clarity on this critical concern. Trends in […]

Regulatory Changes and Rising Commercial Truck Insurance Costs in California

In the wake of the passing of California’s AB5 bill, the trucking industry, including drivers and insurers, face unforeseen challenges. The legislation threatens to severely disrupt contractual trucking gigs, leading to rising insurance costs and potential operational changes. AB5 – A Potential Setback for Owner-Operators AB5, signed into law by Governor Gavin Newsom in 2019, […]

Finding Balance in Commercial Truck Insurance: Costs, Value, Services, and Long-Term Benefits

Navigating the maze of truck insurance offerings is not just a matter of finding the lowest price. It’s about understanding the nuances of what you’re buying, considering long-term benefits, and ensuring a harmonious relationship with your provider. This article offers a detailed examination of the process, unfolding the aspects of costs, value, services, honesty, and […]

New SEC Regulations on Cybersecurity and AI: A Comprehensive Overview

In an era where technology is at the forefront of business operations, the U.S. Securities and Exchange Commission (SEC) is taking decisive steps to ensure transparency and ethical practices. On Wednesday, the SEC was set to introduce new regulations that will impact publicly traded companies in two significant areas: cybersecurity and artificial intelligence (AI). These […]

6 Best Malpractice Insurance for Nurse Practitioners for 2023

Nurse practitioners have a great deal of responsibility when it comes to patient care. Many nurse practitioners assume that because they work under a doctor and their employer provides some level of malpractice insurance, they’re covered. It may be worth it to purchase your own policy, however. Employer malpractice insurance is to protect the employer, […]