Insurance for Fundraising &
Supporting Organizations
If your organization raises money for other nonprofits, your board carries real exposure on two fronts: how the money is managed, and what happens at the events that raise it. We cover both.
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Two Types of Supporting Organizations
SIMILAR MISSIONS, SHARED EXPOSURES
Supporting organizations exist to raise money and channel it to other nonprofits. They share many of the same governance risks as foundations, but with one big difference: they’re active in the community. Galas, campaigns, donor engagement, volunteer-led events. That activity layer brings its own set of insurance considerations.
“Friends of” Organizations
Dedicated to a single beneficiary: a library, park, museum, hospital, or school. The board is responsible for the funds raised, how they’re managed, and how they reach the supported organization. Examples: Friends of the Public Library, Friends of the Zoo, Hospital Auxiliary
Multi-Cause Fundraising Organizations
Federated or umbrella organizations that raise money and distribute it across a portfolio of causes or member agencies. Governance is more complex here, with more stakeholders, more discretion in allocation, and more room for disputes. Examples: Community fundraising alliances, combined campaigns, giving circles
The Fundraising Dimension
What sets your program apart from a pure grantmaker’s is what happens between the grants. Every gala, walk, auction, and volunteer-run event is its own liability moment. Here’s where Annual General Liability and Event Insurance coverage do the work that D&O and Crime alone can’t.
1
Galas & Ticketed Events
The bigger the event, the more layers of exposure. Catering staff, served alcohol, entertainment contracts, vendor booths. Protect Your Nonprofit annual liability insurance handles the foundation, but most venues require a dedicated Special Event Liability certificate of insurance naming them as additional insured. That’s what closes the gap on event-day.
2
Runs, Walks & Outdoor Events
Public property changes the game. Roads, parks, trails, most cities require event liability before they’ll issue your permit. Your annual liability may not satisfy what the municipality asks for. Special Event Liability insurance provides a dedicated certificate the permit office actually needs.
3
Auctions & Campaigns
Money moves in unusual ways at fundraising events. Silent auctions, live bidding, online giving platforms, peer-to-peer pages. Cash, checks, donated items, and digital transactions all create exposure that two coverages handle together: Crime covers the theft and fraud risk on the money side, and annual liability insurance covers the operational activity around the event itself.
4
Volunteer Activity
Most nonprofit event work happens through volunteers, not employees. Your Protect Your Nonprofit (PYNP) program already accounts for that. The PYNP annual liability insurance extends to incidents involving your volunteers, and PYNP’s Employee Crime covers volunteer dishonesty alongside employee dishonesty. Both sides of the volunteer relationship are covered automatically.
The Coverages That Matter Most
You’re operating in two modes at once: stewarding money like a grantmaker and running events like an active nonprofit. Protect Your Nonprofit’s program reflects that, with four core coverages and two enhancements that scale with how you actually operate.
BONUS TIP: Make Your Fundraiser Unforgettable
The biggest barrier to a high-profile prize at your event is usually the prize itself. Nobody wants to write a $25,000 check if a golfer makes the shot. Two of our sister companies handle exactly that.
Hole in One International
Hole in One International insures prize promotions for golf tournament fundraisers. Offer a new car, a dream vacation, or a six-figure cash award. If a golfer makes the shot, the insurance carrier pays. Your organization gets the buzz, the press, and the increased registrations.
Odds On Promotions
Odds On Promotions covers prize contests beyond golf. Duck races, half-court basketball shots, wheel spins, putting contests, custom sweepstakes. Offer a $10,000 prize for the winning rubber duck without writing that check yourself.
Both pair naturally with your Event Liability coverage. Big prizes drive registration. If the prize is insured, the prize budget stops being the reason you can’t offer one.
How the Program Adapts to Your Organization
The same core coverages apply to both kinds of supporting organizations, but where the risk concentrates is different. Here’s how the program shifts based on how your organization is structured.
Get Coverage Built for Fundraising Organizations
Rounding out the Protect Your Nonprofit Program
Property (Inland Marine)
If you own office equipment, computers, or event materials worth replacing, property coverage protects those assets against theft, damage, and loss. Coverage extends to items in transit such as laptops, signage, auction items, supplies moving between your office and your event venues.
Hired & Non-Owned Auto
Your staff use personal vehicles for organizational business, picking up auction items, transporting supplies, driving to event sites. Standard personal auto policies usually exclude that use. Our General Liability program includes hired and non-owned auto coverage to close that gap. Included with Annual Nonprofit Liability
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