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Insurance for nonprofit organizations is essential – they can still be held liable for injuries and property damage and their assets can still be harmed by things like storms and fire. It’s important to protect your organization with the proper insurance. Luckily, our nonprofit insurance brokers can help you get the right commercial coverage for your organization.

Contact us today for a nonprofit organization insurance quote or read below to find out more about this protection.

Areas We Serve

  • Calgary
  • Red Deer
  • Fort McMurray
  • Alberta

Please contact us directly if you require non-profit insurance in another province or if you operate internationally.

Do Non-Profits need Insurance?

Yes, nonprofits need insurance. This coverage can reduce the financial burden of a lawsuit, natural disaster, and other unfortunate and sudden events.

What type of Insurance coverage do Non-Profits need?

The type of insurance required by a nonprofit will depend on the individual organization. A nonprofit organization may need the following coverage:

  • Commercial property insurance
  • Commercial general liability insurance
  • Professional liability insurance
  • Product liability insurance
  • Director & officer’s liability insurance
  • Event liability insurance
  • Business interruption insurance
  • Crime insurance
  • Cyber insurance
  • Commercial vehicle insurance
  • Group benefits coverage (including medical, dental, vision, life, disability and critical illness insurance)

Why does a Non-Profit need Property Insurance?

A nonprofit organization needs property insurance in order to protect all of its physical assets. This can include the premises the nonprofit operates out of as well as all of its equipment like computers, furniture and more. If the nonprofit produces products, it will also cover inventory and materials.

Why does a Non-Profit need Director’s and Officer’s Insurance?

Nonprofit organizations need director’s and officer’s insurance because directors, officers, and nonprofits can be targets of lawsuits and wrongful act accusations. This coverage can help cover the associated legal expenses, including defence costs, settlements, and judgement awards.

Why does a Non-Profit need Event Liability Insurance?

Nonprofits need event liability insurance if they host events as they can be held responsible for damage or injuries that happen at or after an event (particularly if alcohol is served). This protection can help cover any damages, injuries, and associated legal costs.

Why does a Non-Profit need Cyber Insurance?

Nonprofits need cyber insurance as they can be targets of cyberattacks and victims of data breaches. This coverage helps nonprofits navigate through such an event and recover afterwards.

Why does a Non-Profit need Commercial Vehicle Insurance?

If a nonprofit organization owns vehicles, it will require commercial vehicle insurance as it is mandatory to have third-party liability. direct compensation for property damage and accident benefits insurance in all provinces in Canada. (The exact coverage requirements may vary by province.)

Why does a Non-Profit need Group Benefits Coverage?

In order to be competitive in the job market and provide for employees, nonprofit organizations should have group benefits coverage.

What is covered by Non-Profit Insurance?

What is covered by your nonprofit insurance will depend on what insurance coverage you choose. Here’s a basic explanation of what’s covered by each type of insurance:

  • Commercial property insurance – helps repair or replace the nonprofit’s physical assets including owned buildings, materials, equipment, inventory, and more.
  • Commercial general liability insurance – helps cover costs if someone is accidentally hurt or has their belongings damaged on your nonprofit’s premises. This can include medical and legal expenses.
  • Professional liability insurance – if your nonprofit provides advice or service, this protection can cover you if a client or third party claims that advice or service causes them financial loss.
  • Product liability insurance – if your nonprofit produces or sells products, this type of insurance can cover you if the product causes injury or damage.
  • Director & officer’s liability insurance – this may cover legal expenses if lawsuits or a wrongful act allegation is brought against the nonprofit organization or its directors or officers.
  • Event liability insurance – nonprofits often hold events and this protection can help cover injuries or damage caused by guests and employees at an event. It is often required by venues.
  • Business interruption insurance – if your nonprofit is unable to operate due to a covered claim or mandatory evacuation, this coverage can help cover costs to keep the organization afloat.
  • Crime insurance – this coverage can cover losses caused by criminal acts such as employee theft and dishonesty.
  • Cyber insurance – this type of insurance can help your nonprofit organization navigate and recover from a cyber incident.
  • Commercial vehicle insurance – covers vehicles owned by the nonprofit organization. In Alberta, this includes mandatory third-party liability, accident benefits and direct compensation property damage coverage. You may also want to consider comprehensive, collision and other optional coverages to further protect your non-profit’s vehicles. 
  • Group benefits coverage – this provides employees with benefits such as medical, dental, disability, critical illness, and life insurance. These policies cover healthcare expenses or provide funds to an employee to reduce the financial burden in the event of a disability, critical illness, or death.

Exactly what’s covered will depend on your individual policy. Different nonprofit insurance companies offer different protections. Your nonprofit insurance broker at Rogers will help you choose the right policy for your needs and budget. They can also explain your coverage and answer your questions.

How much is insurance for a Non-Profit organization?

The cost of insurance for a nonprofit will depend on the needs and budget of that organization. Contact us today to get a quote for nonprofit insurance.

What affects the cost of Non-Profit Insurance?

The following factors can affect the cost of nonprofit insurance:

  • Size of the organization
  • What your nonprofit does
  • Where you operate
  • Premises location (determines claim rate, crime rate, proximity to risks like rivers, nearest fire station and hydrant, and more)
  • The cost of repairing or replacing the premises, equipment, furniture, materials, and inventory
  • Premises age, type, building material, roofing, and electrical, heating, and plumbing systems
  • Damage mitigation or prevention measures like security alarms and sump pumps
  • Insurance history
  • Insurance options, including coverage, deductibles, and policy limits

If the nonprofit owns vehicles, their year, make, and model will impact rates, as well as how far they’re driven daily, where they are driven, how and where they are parked, and the driving record of the employees or volunteers operating them.

There are many more factors that may impact the cost of insurance for a nonprofit depending on the organization and the insurance company.

How to get a Non-profit Insurance quote

You can get a quote for nonprofit insurance online, by email, over the phone, or by stopping by one of our locations.

To get an accurate quote, our nonprofit insurance brokers will ask you questions about the organization.

Why partner with Rogers Insurance for
Non-Profit Insurance?

You should partner with Rogers Insurance for your nonprofit insurance because:

  • We’re independent. We work for you, not an insurer.
  • We’re experienced. Our staff has decades of experience in the insurance industry and working with nonprofit organizations.
  • We’re knowledgeable. Our nonprofit insurance brokers undergo ongoing training to ensure you’re getting the most up-to-date information and advice.
  • We’re competitive. We work with many insurance companies in order to offer competitive nonprofit insurance quotes and choice in coverage.
  • We offer unparalleled claims experience.
  • We provide exceptional customer service. We believe in a human-first approach to insurance and you’ll notice a difference.

Contact us today for a quote for nonprofit insurance or to learn more.

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