Nonprofits face many of the same risks as businesses, plus some unique ones tied to volunteers, donors and board decisions. Most Florida nonprofits need general liability, property coverage, directors and officers (D&O) liability, and workers compensation if they have employees. Some carriers specialize in nonprofit programs.
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Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
Why do nonprofits need D&O insurance?
Directors and officers insurance protects board members and officers from claims about their management decisions, such as mismanagement of funds or employment disputes.
Strong D&O coverage also helps you recruit volunteers for your board.
What about volunteers and events?
General liability covers injuries at your events and premises. Some policies can also include coverage for volunteers’ injuries or volunteer-caused accidents.
If volunteers drive for your organization, hired and non-owned auto coverage may be important.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
Do nonprofits need workers compensation?
Florida workers compensation rules apply to nonprofits with employees, based on the number of employees and the industry.
We review your staff, volunteers and activities to build the right package.
Frequently Asked Questions
Does general liability cover board decisions?
No. Board decisions are typically covered by directors and officers (D&O) insurance.
Are there discounts for nonprofits?
Some carriers have nonprofit programs with tailored coverage and pricing.
Do small nonprofits need insurance?
Yes. Even small organizations face liability and property risks, and grantors may require coverage.
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Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
