Nonprofit insurance.
For your people.
For your purpose.
The people you bring together and the work you do deserve a thoughtful coverage conversation. Tell CPIS about your organization and what keeps your mission moving.
Coverage inquiries for California nonprofit organizations. Options depend on your activities and insurer underwriting.
Every mission has its own moving parts.
A community program, arts organization, and charitable foundation may have very different insurance needs. Describe the services you provide, the people involved, and the places where your work happens.
- Community programs and charitable activities
- Fundraising events and public gatherings
- Educational, cultural, and membership activities
- Offices, shared spaces, and off-site services
Tell us about special events, transportation, professional services, or work involving children or vulnerable adults. These details may call for additional coverage, safeguards, or separate underwriting.
Protection for the organization.
Attention to the details.
Nonprofit insurance can involve several policies. Review each protection separately rather than assuming one package covers every activity.
General liability
Helps address covered third-party injury or property damage claims arising from your organization’s operations. Disclose events, premises, and off-site activities.
Property & business income
Discuss buildings, equipment, supplies, and contents. Business income coverage may help with eligible losses following covered property damage, subject to its terms.
Directors & officers liability
Ask about protection for covered claims alleging wrongful acts in governance or management. D&O coverage differs from general liability and must be reviewed on its own terms.
Employment practices liability
May address covered employment-related allegations such as discrimination, harassment, or wrongful termination. Discuss staffing and relevant policy exclusions.
Cyber & information risks
Donor records, member information, online payments, and program data belong in the review. Ask about covered breach response costs and privacy or security liability.
Specialty protections, including D&O, professional liability, crime, and abuse-related liability, are topics to discuss—not assurances of availability or inclusion.
Know how your volunteers are covered.
Liability protection for a volunteer’s actions and protection for a volunteer’s own injury are different questions. Review who qualifies as an insured and which activities are covered.
Ask separately about volunteer or participant accident coverage. Do not assume volunteers receive workers’ compensation benefits or that a general liability policy covers every injury.
Explore Workers’ Compensation for your employees →Bring your mission.
And the practical details.
Select Other / Not sure on our quote form and describe your nonprofit. Include your renewal date and any upcoming event, grant, or lease deadline.
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Your programs & leadership
Mission, services, governance structure, annual budget, and any professional or direct-care activities.
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Your people & locations
Employees, volunteers, participants, premises, events, and any organization-owned or personal vehicles used for your work.
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Your policies & requirements
Current coverage, claims history, venue or funder insurance specifications, requested limits, and relevant contracts.
Questions behind the mission.
Coverage should reflect the work your organization actually does, including occasional activities and new programs.
Does nonprofit status remove the need for insurance?
No. Nonprofits can face injury, property, employment, management, and data-related claims. Your activities, contracts, and applicable requirements determine what needs review; nonprofit status alone does not establish protection.
Are fundraisers and community events automatically included?
Do not assume so. Share the event location, activities, expected attendance, vendors, and any food or alcohol service. Review policy restrictions and venue requirements before the event.
Does general liability also protect the board’s decisions?
General liability and D&O address different exposures. If you want protection for covered governance or management allegations, ask about D&O wording, insured persons, exclusions, limits, and reporting requirements.
What if volunteers drive their own vehicles for us?
Disclose that arrangement and any transportation of participants. Ask about hired and non-owned auto liability and confirm how personal and organizational policies interact. Do not assume damage to the volunteer’s vehicle is covered.
What affects the cost of nonprofit insurance?
Your services, budget, staffing, volunteer involvement, locations, events, prior claims, and selected limits can affect the review and pricing. Provide accurate information rather than relying on a generic estimate.
Does submitting a quote request activate coverage?
No. The form starts an inquiry. Coverage must be arranged and confirmed under the applicable policy terms. Include any event or contract deadline when explaining what you need.
Make room for a thoughtful coverage conversation.
Tell us about the people you bring together, the work you do, and the protection you want to review.