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Non Profit Insurance

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Non Profit Insurance
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Non-Profit Insurance

Non Profit Insurance

Coverages Pricing FAQ
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Non Profit Insurance is a specialized suite of coverages designed to protect 501(c)(3) organizations, charities, and associations. While similar to business insurance, it specifically addresses the unique risks of the social sector, including Directors & Officers (D&O) liability for board members, volunteer injury protection, and coverage for fundraising events, ensuring your mission survives legal challenges.

The “Risk Reality”: The Myth of Immunity

Many nonprofit leaders believe “Charitable Immunity” laws fully protect them. In reality, these laws have significant gaps. A board member can still be personally sued for mismanagement of funds, and the organization can be liable for volunteer actions. The National Council of Nonprofits emphasizes that insurance is the only reliable way to protect the organization’s assets and the personal wealth of its volunteer board against allegations of negligence or wrongful acts.

Non Profit Insurance Coverage

We structure policies that protect your funding, your reputation, and your people (paid or unpaid).

What is Covered
Directors & Officers (D&O): Protects board members from personal lawsuits alleging mismanagement, breach of duty, or failure to follow bylaws.
General Liability: Covers third-party bodily injury (e.g., at a fundraising event) and property damage.
Volunteer Accident: Pays for medical bills if a volunteer is injured while working for you (since they are not covered by Workers’ Comp).
Improper Sexual Conduct: Critical defense coverage against allegations of abuse or molestation involving vulnerable populations.
What is NOT Covered (Exclusions)
Criminal Acts: Fraud, embezzlement, or intentional illegal activities by staff or board members are strictly excluded.
Contractual Liability: Breaches of grant contracts or failure to deliver promised services are typically not covered by standard liability.

The “Dream” Difference: Standard vs. Comprehensive

Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.

Risk Area Standard General Liability Nonprofit Protection Package
Event Slip & Fall ✔ Covered ✔ Covered
Board Member Lawsuit ✖ Excluded ✔ Covered (D&O)
Volunteer Injury Medical ✖ Excluded ✔ Covered
Abuse Allegations ✖ Excluded ✔ Covered

 

 

Non Profit Insurance Cost

“How much does nonprofit insurance cost?” Premiums vary based on the organization’s budget, the services provided, and the number of volunteers.

  • Premium Estimates: According to recent industry market data, small nonprofits with no employees might pay $500 to $900 annually for a basic General Liability and D&O package.
  • High-Risk Services: Organizations working with children, the elderly, or providing medical services will see higher premiums due to the increased liability exposure.
  • Event Insurance: One-time Special Event policies for fundraisers (like a gala or fun run) can often be purchased separately for as little as $200 per event.

The “Independent Difference”: Why Dream Assurance?

Your budget should go to your mission, not overpriced premiums. “Independent Means Multiple Choices.”

  • Grant Compliance: We review your grant requirements to ensure your Certificates of Insurance (COI) meet donor standards.
  • Board Reassurance: We help you explain the D&O coverage to prospective board members, removing the fear of personal liability so you can recruit top talent.
  • Mission-First Service: Whether it’s a food bank or an art foundation, our team finds carriers that align with your specific charitable purpose.

 

Coverage Guidance That Meets You Where You Are

Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.

If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.

Licensed In 18 States

Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.

  • KS, IL, MO, KY, TN, AL, GA, TX, MI
  • WI, IN, NV, PA, OH , OK, MD, IA, & MN

Hover, tap, or click a licensed state to see where we can help with coverage.

TALK WITH OUR TEAM

Meet the people who make coverage guidance feel clearer, faster, and more personal.

Use the arrows or swipe to browse the team.

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Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.

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Dream Assurance
5.0
Based on 158 reviews
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Leslie Franke profile picture
Leslie Franke
17:49 13 Apr 26
Addison was great he was able to match me with the exact insurance policy that I needed at a cost I can afford!!!
Alex D profile picture
Alex D
13:49 07 Apr 26
The insight was unmatched by any other insurance company. I’ll be using them for all my insurance needs.
G Clark profile picture
G Clark
16:19 04 Apr 26
I’ve had a fantastic experience with Dream Assurance. From the very beginning, Kurtis made the process of choosing a plan straightforward and stress-free.
Robert Anderson profile picture
Robert Anderson
20:36 23 Mar 26
If you’re looking for real people that handles your needs fast then dream assurance is the way to go. Micheal Moran is probably the best insurance agent I’ve ever had. No matter the time or day, he finds a way to respond back. Not to mention we’re in two different time zones and he works like we’re in the same state. I wish I could give them more stars. Forgot to mention they’ll beat any insurance rates you find!!!

 

 

Frequently Asked Questions

Do board members really need D&O insurance?
Yes. Federal and state immunity laws protect volunteers from some liabilities, but not all. Directors & Officers (D&O) insurance provides the funds for legal defense if a board member is sued personally for decisions affecting the nonprofit.
Generally, no. Workers’ Comp is for paid employees. To protect volunteers who get injured, you need a separate “Volunteer Accident” policy or endorsement, which pays for their medical expenses and prevents lawsuits.
Yes. If you host an event (gala, 5K run, festival), your standard General Liability policy might exclude it. You can purchase a “Special Event” policy to cover liability and liquor liability for that specific day.
This covers the legal defense costs and settlements if an employee or volunteer is accused of abuse or molestation. It is critical for any nonprofit working with youth, seniors, or vulnerable populations, as standard policies exclude this.
Even if the nonprofit has no money, the board members have personal assets. A lawsuit can target the directors personally. Insurance is the only barrier protecting their personal savings from legal claims against the organization.

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