Non-Profit Insurance

Let BrokerLink tailor your non-profit insurance coverage.

Non-profit organizations focus on enhancing the public good and specific social causes. At BrokerLink, we understand the specific risks non-profit organizations face, and take the time to understand your operation, to find an insurance policy that gives you the coverage you need at the right price. We help customers like you from coast-to-coast, so you can focus on delivering the services your organization provides, with peace of mind.

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BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is non-profit insurance?

Insurance for non-profit organizations includes a specific set of coverages designed to protect the organization from financial loss due to various risks. These coverages can address liability risks, property damage, employee safety, and more, helping to safeguard the non-profit’s mission and its assets.

Non-profit insurance can provide coverage for different scenarios, such as:

If someone sues the organization for an accident or injuries sustained on their premises.
Damage to or theft of computers and furniture owned by the organization.

Your specific coverage will depend on your province's regulations and any additional coverage options you choose to include in your policy.

Who we help

Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.

Non-profit organizations of all kinds need insurance, including:

Charities
Foundations
Social enterprises
Community groups

Why do you need non-profit insurance?

Non-profit organizations face risks like any other business or organization and an insurance policy can help:

Protect the organization’s assets such as physical property, cash, and investments.
Limit liability from lawsuits, accidents, and other claims.
Ensure continuity of operations in case of unexpected events (fire, natural disaster, etc.).
Protect board members, employees, and volunteers from personal liability when acting on behalf of the organization.

Without proper insurance, a non-profit organization is vulnerable to risks that could cause financial hardship, harm its reputation or disrupt operations.

Coverages

Non-profit organizations face various risks, so there are many types of coverage available.

What does non-profit insurance cover?

Your insurance broker will help you figure out which are right for you. Having the right insurance isn't just for financial protection, it offers peace of mind. Each policy can be customized and may include:

Recommended

Additional

Protects against claims for bodily injury or property damage caused by your business operations. This coverage is crucial for covering medical expenses, legal fees, and potential settlements, thereby safeguarding your business from significant financial burdens. Additionally, it helps maintain your business's reputation by demonstrating a commitment to guest safety and care, which can be vital for customer trust and retention.

Covers damage to your building, equipment, furniture, and other assets. This can include damage from fire, theft, or vandalism. By providing compensation for repair or replacement costs, property insurance ensures that operations can quickly resume with minimal disruptions. Furthermore, it protects your capital investments and aids in financial stability, allowing you to focus on delivering your services without the worry of unexpected property losses.

If you're offering specialized services or giving expert advice, this can cover claims of negligence or errors in service. It is essential for protecting your business against legal claims from dissatisfied clients who allege that your professional advice or planning services led to financial loss or other damages. Coverage typically includes legal defense costs and any settlements or judgments, ensuring you can address these challenges without severe financial strain. By having this protection, you can focus confidently on delivering high-quality services while safeguarding your reputation and business assets.

Covers theft of money, property or assets, either by employees or external parties. This coverage is crucial for safeguarding your business against financial losses resulting from dishonest acts, including embezzlement, fraud, or robbery. It provides essential protection by covering the costs associated with investigating incidents and recouping losses, thereby maintaining the financial health of your business.

This insurance ensures that leaders can focus on their responsibilities without fearing personal financial loss by covering legal fees and damages if they are sued for decisions made while performing their duties. Coverage protects the personal assets of executives and board members from lawsuits related to the organization's decisions. This coverage is especially important in safeguarding against claims of mismanagement, breach of fiduciary duty, or other allegations of wrongful acts made in the course of their corporate governance roles.

Provides coverage in the event of data breaches and cyber-attacks, by covering the costs of investigating and responding to cyber incidents, including expenses related to notifying customers and restoring compromised data systems.

If the non-profit owns vehicles, this insurance protects against financial loss from accidents, theft, or damage. It also includes liability protection to cover legal expenses and settlements if the organization is found at fault. Additionally, it may offer coverage for medical expenses if passengers or drivers are injured.

This general liability policy includes coverage for abuse accusations against the entity and is recommended for non-profit organizations that work with clients who are considered vulnerable

Covers specific events if non-profits host large gatherings, fundraisers, or other activities.

Covers errors or omissions in the administration of employee benefits. This includes errors in paperwork or providing incorrect information. It's like a safety net for employers to help handle these slip-ups.

Provides coverage if a volunteer is injured while performing tasks on behalf of the non-profit. It helps pay for medical bills and related expenses. This insurance makes sure volunteers get the care they need without financial worry.

This general liability policy includes coverage for abuse accusations against the entity and is recommended for non-profit organizations that work with clients who are considered vulnerable

Covers specific events if non-profits host large gatherings, fundraisers, or other activities.

Let us be your resource for all things business insurance

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Why choose BrokerLink for your commercial insurance needs?

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

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Factors that affect the cost of non-profit insurance

Insurance costs are determined by considering many different factors, including:

Type and size of the non-profit

Larger organizations with more employees or higher risk activities may face higher premiums.

Activities and events

High-risk activities (e.g., working with vulnerable populations, outdoor events) may increase the cost.

Coverage limits

Higher coverage limits will increase premiums.

Claims history

Non-profits with a history of claims may have higher premiums.

Location

Some regions may have higher risks, such as areas prone to natural disasters, impacting costs.

Number of employees and volunteers

More staff or volunteers may lead to a higher premium, especially for worker’s compensation.

The exact price of your premium will vary. Your broker will take the time to understand your non-profit organization to determine the coverage you need at the right price. For a quote, please contact a BrokerLink broker.

Essential non-profit insurance information

Non-profits may be eligible for discounted rates or specialized policies tailored to the sector.
Many insurers offer packages that combine multiple coverages (e.g., property, liability, and D&O) at a lower cost than purchasing them separately.
It's important to review your policy regularly, to ensure coverage stays up to date as your non-profit grows or changes its activities.

Having the right insurance coverage is essential for the long-term health and sustainability of a non-profit organization. It's always advisable to work with an experienced insurance broker who understands the specific needs of the non-profit sector in Canada.

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With our expertise, you can focus on what you do best — running your business — while we handle all of your insurance needs. Let us take the stress out of finding the perfect coverage for you.

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Vehicle Insurance

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Non-Profit Insurance

What is non-profit insurance?

Who we help

Who needs non-profit insurance?

Why do you need non-profit insurance?

Coverages

What does non-profit insurance cover?

General liability

Property insurance

Professional liability insurance (errors and omissions)

Crime insurance

Directors and officers (D&O) liability insurance

Cyber liability insurance

Vehicle insurance

Abuse liability insurance

Event insurance

Employee benefits liability insurance

Volunteer accident insurance

General liability

Property insurance

Professional liability insurance (errors and omissions)

Crime insurance

Directors and officers (D&O) liability insurance

Cyber liability insurance

Vehicle insurance

Abuse liability insurance

Event insurance

Employee benefits liability insurance

Volunteer accident insurance

Why choose BrokerLink for your commercial insurance needs?

Our Reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey

Our numbers speak for themselves

Factors that affect the cost of non-profit insurance

Type and size of the non-profit

Activities and events

Coverage limits

Claims history

Location

Number of employees and volunteers

Essential non-profit insurance information