Nonprofit Insuror South exists to make insurance simple, affordable and helpful for mission-driven organizations. We are an independent agency that works only with nonprofit human services providers, ministries and community organizations. NIS matches you with carriers who understand your programs, then helps you lower your cost of risk.
What Is Nonprofit Insurance?
The short answer
Nonprofit insurance is the group of policies that protects a nonprofit, its clients, board, staff and volunteers from lawsuits, injuries and property loss. Most organizations start with general liability, directors and officers (D&O) and property coverage, then add policies that fit their programs, like abuse and molestation, professional liability or workers’ comp.
It isn’t one policy. It’s a package built around what you actually do. A food bank with delivery vans needs different protection than a counseling center or a group home, and a small volunteer-run nonprofit needs less than a residential provider with 24-hour staff. We tailor your program to your mission.
Our Services
What Insurance Does a Nonprofit Need?
Nearly every nonprofit needs general liability, professional liability and D&O. Add property insurance if you own or lease space, workers’ comp once you have employees, and abuse and molestation coverage if you serve the general public, children or vulnerable individuals. The table below shows what each policy covers and who usually needs it.
| Coverage | What it covers | Who usually needs it |
|---|---|---|
| General liability | Injuries and property damage to others at your programs or events | Every nonprofit |
| Directors & officers (D&O) | Lawsuits against your board and leaders over their decisions | Every nonprofit with a board |
| Professional liability | Claims that your services or advice caused harm | Counseling, case management and health services |
| Property | Your building, equipment and supplies | Anyone who owns or leases space |
| Workers’ comp | Medical bills and lost wages for injured employees | Nonprofits with employees (required in most states) |
| Abuse & molestation | Abuse allegations involving staff or volunteers | Youth programs, housing operations, churches |
| Employment practices (EPLI) | Wrongful termination, harassment and discrimination claims | Any nonprofit with staff |
| Cyber liability | Data breaches and hacked donor or client records | Anyone storing client, donor or health data |
Who We Serve
We write insurance and provide risk management for nonprofit organizations of every shape and size.
Human services providers
Residential/group homes
Foster & family services
Faith-based orgs
Community development
Behavioral health & counseling
Youth & after-school
Shelters & food banks
Arts & education nonprofits
Why Nonprofit Insuror South
-
Purpose-built – We live in the nonprofit world.
-
Carriers that say yes – Appetite for human services risks.
-
Budget-conscious – Right coverage, competitive pricing.
-
Hands-on service – COIs, audits, renewals—handled.
Co-founders with more than 40 years of combined insurance knowledge and a focus on nonprofits. Meet our team.
How We Work With Nonprofits
1. We talk first
A short call about your programs, staff, volunteers and what you have now. Book a call when it suits you.
2. We shop it
We take your account to carriers with an appetite for human services risks, not whoever happens to answer.
3. We stay on it
Certificates, audits, risk management and renewals. You call us, not a 1-800 number.
Nonprofit Insurance FAQs
How much does nonprofit insurance cost?
It depends on your programs, headcount, vehicles, property and claims history. A small volunteer-run nonprofit pays far less than a residential provider with 24-hour staff. The fastest way to get a real number is a short call with us.
What insurance does a nonprofit need?
Almost every nonprofit needs general liability and directors and officers (D&O). Most also need property coverage, workers’ comp once they have employees, and abuse and molestation coverage if they work with the public, children or vulnerable individuals.
Does a volunteer board need D&O insurance?
Yes. Volunteer board members can still be named in a lawsuit. Federal law limits some volunteer liability, but it doesn't stop the suit or pay your legal bills. D&O does.
Are volunteers covered under our insurance?
Sometimes. Many general liability policies cover volunteers acting for you, but volunteer injuries usually need a separate volunteer accident policy. We check both when we review your coverage.
What states do you serve?
We’re licensed in Georgia, Tennessee, North Carolina, South Carolina, New York and New Jersey. Our offices are in Watkinsville and Atlanta, Georgia.
Ready to see where you stand? We’ll review your current policies and tell you plainly what’s missing.