Non-profit insurance for the organizations that serve our communities
D&O, abuse and molestation, volunteer, professional liability and special-events coverage for the exposures generic policies exclude, across Washington and Oregon. We build mission-focused programs at rates that respect a limited budget.
A-rated and non-profit specialty carriers · Same-day certificates · Grant and contract compliance
Exposures generic programs weren't written for
Non-profit and human-services organizations face abuse allegations, board-member liability and injuries to the vulnerable people they serve. We've worked with Pacific Northwest non-profits since 1992, building programs that go beyond general liability to cover governance, abuse, volunteer and service-delivery risks.
For more, see the National Council of Nonprofits and the Nonprofit Risk Management Center.
Real risks that threaten a mission
Illustrative examples of how a single non-profit exposure escalates when coverage is missing or poorly structured, and what closes the gap.
An abuse allegation against a youth program
A youth-mentoring organization learned that a long-term volunteer had inappropriately contacted several teenage participants. Multiple families sued, alleging the organization failed to properly screen, train and supervise volunteers working with minors. The general liability policy specifically excluded abuse and molestation claims.
- Defense across four lawsuits (3 years)$720,000
- Settlements$1,850,000
- Crisis communications$130,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your organization
Every non-profit starts with directors and officers, general liability and umbrella. Tell us how you operate and we'll add what typically applies. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- Directors & OfficersGovernance, employment and board-liability claims.
- General LiabilityPremises, bodily injury and property damage.
- Commercial UmbrellaCatastrophic limits above primary policies.
- Sexual Abuse & MolestationAbuse allegations and failure-to-supervise claims.
- Workers' CompensationStaff injuries, home visits and crisis work.
- Employment Practices LiabilityWrongful termination and discrimination claims.
- Volunteer AccidentMedical and accident coverage for volunteers.
- Commercial PropertyBuildings, contents and program equipment.
From first call to certificate
Understand your mission
Your programs and the people you serve: populations, volunteers and staff, facilities, service-delivery model, screening protocols and claims history.
Go to non-profit markets
We approach non-profit specialty carriers and association programs, including Philadelphia Insurance, Nonprofits Insurance Alliance and Church Mutual, for coverage standard markets often won't write, at budget-conscious pricing.
Build the program
D&O, general liability and umbrella, with abuse and molestation, professional liability, volunteer accident, EPLI, property, auto, special events and cyber added as your mission requires.
Certificates and claims
Same-day certificates for foundations, funders and government contracts, guidance on grant insurance requirements, and claims and crisis-response support when allegations arise.
Every policy a non-profit may need
Filter by type or search for a specific coverage.
Directors & Officers
Personal-liability protection for board members, executives and officers against suits alleging mismanagement, breach of fiduciary duty, employment decisions and governance failures.
General Liability
Premises liability, bodily injury, property damage and personal injury for your facilities, programs, events and daily operations.
Professional Liability (E&O)
Errors, omissions and negligence in counseling, case management, educational programs and professional services.
Commercial Umbrella
Additional limits above primary policies for major claims that exceed underlying coverage.
Sexual Abuse & Molestation
For organizations working with children, elderly or vulnerable populations: allegations of abuse, failure to supervise and negligent hiring.
Volunteer Accident
Medical expense and accident coverage for volunteers injured while serving, who aren't covered by workers' compensation.
Special Events
Fundraising galas, charity runs, community festivals, auctions and special programs, including liquor liability when alcohol is served.
Workers' Compensation
Mandatory coverage for employee injuries, including human-services exposures such as client interactions, home visits, crisis intervention and physically demanding program work.
Employment Practices Liability
Wrongful termination, discrimination, harassment and retaliation claims involving staff and volunteers.
Commercial Property
Buildings, contents, equipment and supplies at replacement cost for offices, program facilities, thrift stores, food banks and specialized equipment.
Commercial Auto
Organization-owned vehicles, client transportation, volunteer drivers and hired and non-owned auto.
Cyber Liability
Data breaches involving donor information, client records and program data, including notification costs, regulatory fines and reputational harm.
Non-profits we insure
From small volunteer-run charities to established multi-program agencies.
Youth programs and mentoring
After-school programs, mentoring, camps and youth development.
Homeless and housing services
Shelters, transitional housing and supportive housing.
Food banks and meal programs
Food banks, pantries and community meal and nutrition programs.
Domestic violence shelters
Crisis shelters, advocacy and survivor-support organizations.
Mental health and counseling
Counseling centers, behavioral health and peer support.
Substance abuse treatment
Recovery programs, treatment centers and harm-reduction services.
Senior services and adult day
Senior centers, adult day programs and aging services.
Disability services
Programs for people with developmental and physical disabilities.
Religious organizations
Churches, faith-based charities and religious community programs.
Arts and cultural organizations
Museums, theaters, galleries and cultural non-profits.
Environmental groups
Conservation, stewardship and environmental education.
Community foundations
Grantmakers, community foundations and charitable funds.
Brokers who understand mission and risk
Mission-focused and budget-conscious
We understand volunteer management, board governance, donor relations and grant compliance, and use non-profit specialty carriers and association programs to keep coverage complete and affordable.
Vulnerable-population experience
Abuse prevention, mandatory reporting, screening protocols and the heightened duty of care when serving children, elderly, disabled or at-risk people.
Specialty markets and claims support
Relationships with non-profit carriers including Philadelphia Insurance, Nonprofits Insurance Alliance and Church Mutual, plus grant and contract compliance help and claims support that protects resources and reputation.
Protect your mission and those you serve
A review of coverage gaps, compliance requirements and budget-conscious protection for your organization. Or email info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder, and the coverage builder is a starting point for discussion rather than a quote or coverage determination. Scenarios and dollar figures are illustrative examples, not representations about any organization. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.