Nonprofit Insurance
Nonprofit Insurance in California Built for Real Risk
Coverage designed for nonprofits facing board oversight, volunteers, events, and evolving community impact.
Insurance You Can Rely On.
Insurance That Matches How Nonprofits Actually Operate
Nonprofits face risks that don’t look like traditional businesses—from volunteers and fundraising events to board decisions and donated property. It’s common to worry about gaps, outdated policies, or requirements from funders that are hard to interpret. Comprehensive Insurance Services works with nonprofit organizations every day, with nonprofits representing the majority of our client base since 1992. That experience translates into coverage structured around governance, people, and programs—not assumptions.
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Trusted by Nonprofits Across California
Core Insurance Coverages for Nonprofits
Understanding what coverage applies to your organization is the first step toward reducing uncertainty. These are the policies nonprofits most commonly rely on, each addressing a specific area of exposure.
General Liability Insurance
Protects against third-party injury, property damage, and common claims tied to daily operations, programs, and events.
Directors & Officers Liability
Provides protection for board members and leadership against claims related to governance decisions, employment matters, or financial oversight.
Commercial Property Insurance
Covers owned or leased buildings, equipment, and contents so facilities and operations can recover after covered losses.
Volunteer & Participant Accident Coverage
Helps address medical costs for volunteers or participants injured during nonprofit activities, events, or programs.
Crime & Fidelity Insurance
Responds to losses caused by employee dishonesty, theft, or financial misconduct that can directly impact donor trust.
Additional Coverages
Workers’ compensation, commercial auto, umbrella liability, and employee benefits liability are often layered in based on operations and staffing.
Why a Nonprofit-Focused Broker Makes a Difference
Working with a broker who regularly supports nonprofits changes the outcome. Coverage decisions are informed by how nonprofits actually function, not generic templates.
Nonprofit-Specific Programs
Access to carriers and policy forms built for charitable organizations results in terms that better align with nonprofit risk profiles.
Board and Funder Awareness
Policies are structured to meet common grant, contract, and governance requirements without overbuying unnecessary coverage.
Volunteer and Event Insight
Volunteer activities, fundraising events, and community programs are reviewed intentionally so protection keeps pace with real exposure.
Ongoing Coverage Guidance
Coverage reviews focus on reducing uncertainty year over year as programs, staffing, and funding change.
Serving Organizations Across Multiple States
While based in California, we support nonprofit organizations operating across multiple states. If your programs or events extend into Oregon, Washington, or Texas, coverage can be structured to stay consistent and compliant as you grow. Multi-state nonprofits value having one point of contact coordinating protection across locations.
Insurance Advisors You Can Trust
What to Expect When Getting Started
Getting nonprofit insurance in place doesn’t have to feel overwhelming. The process is designed to be clear, predictable, and supportive.
- Conversation First – Review your mission, programs, governance structure, and current coverage.
- Gap Identification – Identify exposures tied to volunteers, boards, property, and activities.
- Policy Structuring – Align coverage types and limits with how your nonprofit actually operates.
- Ongoing Review – Adjust protection as programs expand or requirements change.
Common Questions About Nonprofit Insurance
What insurance does a nonprofit need in California?
Most nonprofits carry general liability, directors & officers liability, and property coverage, with additional policies depending on volunteers, employees, and activities.
Do board members need separate protection?
Board members are typically covered under a directors & officers policy, which addresses claims tied to governance decisions.
Is volunteer coverage required?
It’s not always required, but many nonprofits carry volunteer accident coverage to help with medical costs if injuries occur.
Can coverage meet grant or contract requirements?
Yes. Policies are often structured specifically to satisfy funder and landlord insurance requirements.
Does insurance change as we grow?
It often should. Coverage reviews help keep protection aligned with new programs, staffing, or locations.
Protect Your Mission With the Right Coverage
Nonprofits across California turn to Comprehensive Insurance Services when they want clarity and consistency in their insurance decisions. Whether you’re reviewing existing policies or starting fresh, the goal is fewer unknowns and stronger protection around your work. Let’s talk about what your organization needs today and how to support it moving forward.