Nonprofit Crime & Fidelity Insurance to Protect Your Funds
Coverage that helps nonprofits recover from theft, fraud, and dishonest acts—so one incident doesn’t jeopardize your mission.
Why Crime and Fidelity Coverage Matters for Nonprofits
Nonprofits are built on trust, but even well-run organizations can face internal theft or fraud. Cash donations, grant funds, credit cards, and online accounts create exposure—especially when resources are limited and staff or volunteers wear multiple hats. A single incident can disrupt programs and damage donor confidence. Nonprofit crime insurance helps restore stolen funds and supports continuity when the unexpected happens.
What Nonprofit Crime Insurance Covers
Crime insurance is designed to respond to dishonest or criminal acts that occur inside the organization, and in some cases from outside threats.
Employee Dishonesty
Coverage for theft or fraud committed by employees, officers, board members, or volunteers, depending on policy structure.
Fidelity Bond Protection
Often required by grantors or regulators, fidelity bonds guarantee the nonprofit against losses caused by dishonest acts.
Theft and Burglary
Protection for stolen cash, checks, or property resulting from robbery or break-ins.
Funds Transfer and Social Engineering (Optional)
Some policies can address losses from deceptive payment requests or fraudulent transfers.
In simple terms, if someone misuses your organization’s money or assets, this coverage helps replace what was taken.
Trial Lawyers You Can Trust.
Fidelity Bonds and Grant Requirements
Many government agencies and private funders require nonprofits to carry a fidelity bond when grant funds are involved. Coverage limits are often tied to the amount of money handled. Setting up the right bond helps meet these requirements quickly and demonstrates responsible financial stewardship to donors and partners.
Peace of Mind for Boards and Donors
Crime and fidelity coverage protects more than money—it helps preserve confidence. Board members, donors, and leadership know that if trust is broken, the organization has a way to recover financially and continue its work without severe disruption.
Common Scenarios We See
These situations are difficult to anticipate—and often harder to recover from without insurance in place.
Financial risks can arise even in well-intentioned nonprofit environments. Limited oversight, high trust, and volunteer involvement can create exposure that many organizations do not anticipate.
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A bookkeeper diverts funds into a personal account
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Cash donations go missing after an event
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A volunteer handling finances takes advantage of limited oversight
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An employee is tricked into sending funds to a fraudulent account
Coverage Scaled for Organizations of Any Size
Smaller nonprofits are often the most vulnerable to financial misconduct, but coverage can be structured affordably. Limits can be set to match your exposure—helping ensure one incident doesn’t undo years of work.
How Crime Coverage Fits With Other Nonprofit Insurance
Crime insurance protects against financial loss from dishonest acts, while other policies address different risks. Governance-related claims are handled through management
liability coverage, and physical accidents fall under liability insurance. Coordinating these policies helps create a more complete protection strategy.
Protect Your Mission’s Financial Integrity
Nonprofit crime and fidelity insurance helps ensure that funds meant for good stay where they belong. Comprehensive Insurance Services works with nonprofits across California to put protection in place that meets requirements and supports long-term stability.