Protecting Non-Profit Organizations Since 1971

Where Do We Write This Policy?

Our program insures 26,000+ nonprofits in 32 states & the District of Columbia.

General Liability Insurance

A Commercial General Liability Insurance policy pays the damages for liability imposed upon you or your business by the law. It also pays the cost of defending you when a claim is made against your policy.  

Directors & Officers
Errors & Omissions 

D&O insurance for nonprofits protects directors, officers, and board members against legal expenses if they are sued for a decision they made on behalf of the company that led to financial loss.

Property Insurance

Having the right commercial property coverage could mean the difference between a minor disruption to operations and a major financial loss. Business property insurance can protect your company’s physical assets from unexpected events, including fires, windstorms, theft and vandalism. Physical assets covered by commercial property coverage could include the business property you own or rent, office equipment, furniture, fixtures, inventory and other items you count on to support your daily operations.

Cyber Liability Insurance

Cyber liability insurance is an insurance policy that provides businesses with a combination of coverage options to help protect the company from data breaches and other cyber security issues. It’s not a question of if your organization will suffer a breach, but when. AmRisk’s cyber insurance policyholders can also access tools and resources to manage and mitigate cyber risk — pre-breach and post-breach.

Liquor Liability Insurance

Liquor liability coverage helps protect businesses from claims of bodily injury or property damage if they sell, make or serve alcohol. You can add this coverage as an endorsement on your general liability insurance policy. Host liquor liability coverage helps protect companies that don’t sell alcohol but allow people to drink it on their business property. Host liquor liability coverage may be excluded in a general liability policy.  It’s a good idea to have liquor liability insurance if your business holds special events where liquor is served or consumed

Business Automobile Insurance

Also known as commercial auto coverage, this includes coverage for auto liability and/or auto physical damage for autos the organization owns or leases. Commercial auto coverage should cover drivers acting in their capacities as employees or volunteers.

Non-owned and hired auto is liability insurance in addition to the owner or operator’s personal auto policy for bodily injury and property damage caused by a hired vehicle (including rented or borrowed vehicles) or by vehicles owned by others providing services on behalf of the nonprofit (including your employees’ or volunteers’ vehicles).  This is not protection for the individual driver. It is coverage for the organization should the organization be sued for damage.

Worker’s Compensation

Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees.

Who Can We Insure?

Our program writes coverage exclusively for 501(c)(3) organizations of all sizes.

They include but are not limited to:

• Art and Education
• Animal and Environmental
• Community & Civic Associations
• Equine Assisted Learning & Psychotherapy
• Equine Rescue & Management
• Mental Health and Developmental Disabilities
• Human & Social Services
• Neighborhood Improvement and Social Action
• Professional Non-profit Associations
• Recreation Clubs & Associations
• Shelter, Nutrition, and Employment
• Philanthropy, Volunteerism, and Grantmaking
• New 501(c)(3) organizations
• … and many more.

By understanding the unique operations of your nonprofit, we can offer you fair and equitable premiums.

Our insurance premiums are based on your organization’s specific level of risk — not on the whims of the insurance market.

The money your nonprofit saves can be put to better use toward your mission and community!

Who can’t we insure in this program?

We cannot insure Nonprofit organization types other than 501(c)(3), such as 501(c)(4), 501(c)(6), etc. in this policy.
Please contact us to discuss other markets available.

Ineligible Classifications:

• Athletic leagues
• Boy Scouts / Girl Scouts troops
• Chambers of commerce, trade associations, or homeowners’ associations
• Churches, or organizations whose main goal is to promote the specific teachings or beliefs of a specific religion or person
• Detox facilities, hospitals, blood banks, or birth centers
• Equestrian Organizations with extensive mounted activity (other than EAT)
• Fairgrounds
• Lockdown facilities, or facilities that hold people against their will
• Mountain bike / Motocross groups
• Nonprofit developers that build with the intent to sell
• Universities
• Zoos

We can consider 501(c)(3) nonprofits that are only affiliated with the types of organizations above.

Examples of affiliated organizations: Food banks / pantries / thrift stores connected to churches, foundations that benefit zoos, or supporting organizations.