Programs tailored to the many facets of risks that non profits face.

Nonprofits often function on a tight budget. This makes getting insurance important as a large, unexpected expense can be detrimental. At Empire State Brokerage, we have access to non profit insurance programs that provide the right balance of price and coverage.

What Types Of Insurance Should A Nonprofit Get?

Just like businesses protect their assets with insurance, nonprofits should do the same. Non-profit organizations are all unique in their operations. While some work to preserve wildlife, others care for the elderly. What if a sudden fire burned down your headquarters? What would happen to the people, animals or environments your nonprofit serves? There are many types of insurance for nonprofits. Because every nonprofit is different, we can help you determine which coverage best fits your needs.

General Liability Insurance

Protects against injury and property damage to third parties. This can include visitors, customers, suppliers or associates. Employees are often covered separately by Workers Compensation Insurance.

Property Insurance

Protects your assets in the event of a fire, disaster or vandalism. These assets can include the building, fixtures, equipment, machinery, furniture, computers, inventory and supplies.

Auto Insurance

Covers injuries from an accident involving your staff or volunteers using any car, including their own, for nonprofit activities.

Product Liability Insurance

Protects your nonprofit in the event of a lawsuit claiming your product is unsafe or defective.

Directors & Officers Insurance

Protects the members of your board of directors and your officers in the event of a lawsuit alleging fraud or financial mismanagement.

Professional Liability Insurance

Protects against claims of mismanagement and workplace incidents like discrimination or sexual harassment.

Workers Compensation Insurance

Compensates employees for medical expenses and lost wages after an on-the-job injury.