Liability Insurance

General Liability Insurance protects your organization against third-party claims involving injury, property damage, or personal and advertising injury. It’s core coverage that supports your events, outreach, and day-to-day operations.

From community fundraisers to volunteer efforts, Liability helps your nonprofit stay protected—so one unexpected incident doesn’t throw everything off track.

When you purchase liability coverage, your policy includes a Certificate of Insurance as proof of coverage, plus the ability to add additional Certificates as needed for no additional charge.

With Protect Your Nonprofit Liability Insurance, you get:

• Unlimited Certificates of Insurance
• Free Additional Insureds
• Easy online tools to add and manage both through your account.

Need help with special wording or custom requests? No problem, call us or complete our interactive contact form.

Your staff, board members, and volunteers are included under your policy.

Our Nonprofit Liability Insurance includes:

• Bodily Injury Liability – Injuries to third parties during your activities
• Property Damage Liability – Damage to property your organization doesn’t own
• Personal Injury Liability – Issues such as slander, libel, or copyright infringement
• Advertising Injury Liability – Covers claims of copyright infringement, defamation, or misrepresentation in your nonprofit’s promotional or marketing materials.
• Products Liability – Protects your organization from claims related to goods you sell, serve, or distribute at events—such as food, crafts, or merchandise.
• Host Liquor Liability – Covers your nonprofit in the event of a claim related to alcohol served (not sold) at an event, such as a wine tasting or celebration.
• Fire Legal Liability – Covers fire-related damage to a venue or location your nonprofit rents for an event or meeting.

Looking for Parent-Led School Group Coverage?

Some school-based groups like PTAs and PTOs include additional coverages under Liability Plus, such as Social Media Liability and Sexual Misconduct Liability. For full details, visit the PTA Insurance or PTO & Booster Club Insurance pages.

These protections are part of every Liability Plus policy. Some exclusions may apply—please review your full policy for terms and limits.

Once your policy is active, you’ll be able to sign in and manage Additional Insureds directly from your account.

Need Special Wording? Some venues or partners may require specific language. You’ll have the option to include custom wording when adding them.

Want help? We can handle it for you.
Call us or use our interactive contact form to request an Additional Insured—our team will take care of the rest.

Our Nonprofit Liability Insurance is available in all 50 states, U.S. territories, Puerto Rico, and Canada.

Your coverage is active for one full year from the start date you select.

While coverage is broad, certain activities and risks are not included in the policy. Knowing what’s excluded helps your nonprofit stay compliant and avoid surprises.

Not Covered:

• Inflatables, amusement rides, or mechanical attractions
• Athletic participants (exceptions: bowling, golf tournaments, and walk-a-thons)
• Firearms, weapons, ammunition
• Fireworks, pyrotechnics, rocketry
• Owned or rented vehicles, aircraft, or watercraft
• Workers’ Compensation
• Property or premises owned or leased long-term

While not required by any law, many funding sources, venues, and contracts mandate that nonprofits carry liability insurance as a condition of engagement.

Premiums are determined by various factors, including the organization’s size, activities, location, number of employees or volunteers, and claims history. High-risk activities or a history of claims may lead to higher premiums. ​

Yes, our general liability insurance covers events organized by the nonprofit, protecting against claims of bodily injury or property damage occurring during these events. Also, some venues require proof of insurance, which is provided with the purchase of Liability.

No. Our general liability policies for nonprofits do not cover employment-related claims such as wrongful termination, discrimination, or harassment.

Generally, independent contractors are not covered under a nonprofit’s general liability policy. It’s advisable to require contractors to carry their own insurance and name your nonprofit as an additional insured. ​

Assessing the right coverage involves evaluating the organization’s activities, assets, and potential risks. Often times, event venues will require a specific limit of insurance.

No. To protect board members and officers from claims related to their managerial decisions, Directors and Officers (D&O) liability insurance is recommended.