Nonprofit Property Insurance

This policy covers direct physical damage to your organization’s owned property. Items typically insured include:

• Office and Meeting equipment, including tables and chairs
• Computers, printers, copiers
• Cameras, still and video
• Posters, signs, and banners
• Coffee makers, popcorn and snow cone machines
• Stocked merchandise and printed materials for sale
• Film and overhead projectors
• Musical instruments
• Sports equipment
• Storage containers
• Theatrical props, uniforms, and costumes

• Available across all 50 U.S. states
• Policy term is one calendar year from your selected start date

While Property Plus offers broad protection, some risks are not covered. These include:

• Damage from deterioration, wear and tear, or inherent defects
• Government seizure or destruction of property
• Nuclear or radioactive damage
• Losses related to war, rebellion, or civil unrest
• Any loss exceeding the replacement value of the property

Property insurance covers physical items your organization owns against direct damage, loss, or theft. This includes equipment, supplies, inventory, and materials used for events, meetings, or day-to-day operations.

Coverage is available to a wide range of nonprofit groups, including clubs, associations, support organizations, and community groups—regardless of 501(c)(3) status.

Commonly covered items include computers, musical instruments, office equipment, signage, uniforms, printed materials for sale, meeting gear, storage containers, and event-related equipment like popcorn machines or snow cone makers.

Yes. Property Plus covers items whether they’re stored, in transit, or being used at a sponsored event, as long as they’re listed and covered under your policy.

Yes. Property Plus is available in all 50 U.S. states. Your organization can apply and be covered regardless of location.

Coverage lasts for one full year from the date you select when purchasing the policy. It must be renewed annually to remain active.

Exclusions include damage caused by wear and tear, deterioration, government seizure, war, or nuclear events. Losses that exceed the replacement value of the property are also not covered.

Yes. Property Plus policies include a deductible, which is the amount your organization pays before coverage applies. Specific deductible amounts are provided in your quote and policy documents.

No. Property Plus is designed to cover items your organization owns. Rented or borrowed equipment should be insured by the vendor or through a separate event policy.

Yes. You can request to add newly acquired property to your policy during the coverage period. Any additions must be approved and reflected in your policy documents.