Directors & Officers (D&O) Liability Protects board members, officers, and the organization itself against claims of mismanagement, breach of duty, or wrongful decisions — one of the most important policies for any nonprofit board, and often required by grantors or lenders.

General Liability Insurance Covers third-party bodily injury or property damage claims arising from your programs, events, or facilities — for example, if a visitor is injured at a fundraiser or community event.

Workers' Compensation Insurance Virginia requires coverage for any business, including nonprofits, with more than two employees — whether full-time, part-time, or seasonal. This covers medical costs and lost wages if a staff member is injured on the job.

Volunteer Accident & Volunteer Liability Coverage Many nonprofits rely heavily on volunteers who aren't covered by workers' comp. Volunteer accident coverage helps pay medical costs if a volunteer is injured, while volunteer liability protects the organization from claims arising from a volunteer's actions.

Abuse & Molestation Liability For nonprofits serving children, seniors, or other vulnerable populations, this coverage is often required separately from general liability and addresses claims of abuse or negligent supervision.

Employment Practices Liability (EPLI) Covers claims like wrongful termination, discrimination, or harassment — increasingly important as nonprofits manage a mix of employees, part-time staff, and volunteers.

Property Insurance Covers buildings, equipment, and contents owned or used by the nonprofit, whether at a single office or multiple program sites.

Commercial Auto / Hired & Non-Owned Auto If staff or volunteers drive their own vehicles for organization business — transporting clients, running errands, or attending events — hired and non-owned auto coverage protects the organization if an accident occurs.

Meeting Grant, Funder, and Facility Requirements
Grantors, government contracts, landlords, and venue owners frequently require nonprofits to show proof of specific insurance coverage and limits before funding is released or a facility can be used. We regularly help Virginia nonprofits: