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Volunteer Picture with Raised HandsMany of us belong to or serve on boards of non-profit organizations. From service to social clubs, business groups, churches, youth service, or food assistance, these groups are very important to our communities. But just because their missions are often noble, it doesn’t mean they are immune to liability for their operations and actions.


Non-profit organizations often have special insurance needs that require programs designed specifically for non-profits, such as:

- Members and Volunteers as Insureds – basic general liability policies might not include organization members and unpaid volunteers as insureds, so these are typically added and covered under non-profit insurance policies.

- Director & Officer Liability – volunteer board members can be found personally liable for injuries that could result from decisions they made or actions taken by a board of directors.  Director & Officer liability coverage should be part of any non-profit insurance program to protect the individuals who are participating on the board.

- Liquor Liability – many non-profits will raise funds through events or dinners that might include alcohol.  Simply obtaining one-day permission from liquor control and buying the required bond does not provide liquor liability protection for the organization—this must be purchased separately.

- Special Event Liability – basic general liability policies might cover the day-to-day activities of a non-profit, but often will not cover special events or public events held at off-site locations. Liability coverage for special events often must be purchased as an additional coverage.


If you need help or just a little advice on insurance for your non-profit organization, Hardt Insurance can help. We have carriers who have programs designed specifically for non-profits, and offer the coverages described here at very reasonable prices, often on a single policy.  For more information, call our office at 269-637-1181 today.

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