Nonprofit & Social Services
Nonprofit Insurance & Risk Management
Does your insurance program actually reflect the work your organization performs and the people it serves?
Standard commercial policies often fall short of addressing a nonprofit’s true exposures. We help Colorado nonprofits align their coverage with their unique missions, funding requirements, and community impact. From Colorado all across the country, we can help.
Distinctive Operations
Mission-driven work creates complex coverage questions.
Nonprofit operations, advocacy activities, service delivery, and funding arrangements can create coverage questions requiring careful review. Relying on a generic business policy can leave your organization and its leadership exposed.
1. Service Delivery
Assess the specific risks involved in how you deliver services directly to vulnerable populations, the public, or local communities.
2. Advocacy Activities
Ensure your policies correctly account for the liabilities associated with lobbying, community organizing, and public advocacy.
3. Funding Arrangements
Navigate the strict insurance and indemnification requirements often tied to government grants and foundational funding.
4. Organizational Governance
Protect the personal assets of your volunteer board members who can be held personally liable for the organization's decisions.
Nonprofit Coverages
Safeguarding your specialized exposures.
We work with nonprofits to design insurance portfolios that address the distinctive exposures of their operations, from managing volunteers to securing sensitive donor data.
Directors & Officers Liability (D&O)
Shield board members and executives from lawsuits alleging mismanagement, breach of fiduciary duty, or organizational misrepresentation.
Volunteer Activities
Ensure your general liability and workers' compensation (or specialized volunteer accident policies) properly extend to the unpaid individuals driving your mission.
Abuse & Molestation Liability
Secure essential protection if your organization serves children, the elderly, or other vulnerable groups, as these claims are typically excluded from standard general liability.
Cyber & Data Privacy
Protect against the growing threat of data breaches affecting confidential donor records, employee data, and protected client information.
Employment Practices (EPLI)
Defend against claims of wrongful termination, discrimination, or harassment made by employees or volunteers.
Professional Liability
Cover errors, omissions, or negligence in the professional services, counseling, or advice your organization provides to the community.
