Nonprofit Insurance
Fort Bragg, Lakeport

Protecting the mission, people, and future of your nonprofit organization.

Running a nonprofit comes with unique challenges, from managing volunteers and protecting donor data to organizing fundraising events and keeping your board of directors safe from personal liability. At Far West Leavitt Insurance Services we specialize in helping nonprofits secure the right insurance solutions to safeguard their mission.

Why Nonprofits Need Specialized Insurance

Nonprofits face risks that differ from typical businesses. Without proper coverage, a single claim could jeopardize your programs, funding, or even your nonprofit status. Common risks include:

Volunteer liability – injuries, accidents, or property damage caused by volunteers.

Fundraising & special events – event cancellations, injuries, or third-party claims.

Board liability – directors and officers being held personally responsible for decisions.

Cyber & data security – protecting sensitive donor or member information.

Abuse or misconduct allegations – particularly in youth or community service programs.

Property risks – damage to buildings, leased spaces, or equipment.

Types of Nonprofit Insurance Coverage

We design insurance programs tailored to the unique needs of 501(c)(3) and other nonprofit organizations. Coverage options include:

General Liability Insurance

Protects your nonprofit from third-party claims for bodily injury, property damage, and personal injury.

Directors & Officers (D&O) Liability

Safeguards your board and leadership team against lawsuits related to management decisions.

Employment Practices Liability (EPLI)

Covers claims of wrongful termination, harassment, or discrimination.

Volunteer Liability & Accident Coverage

Protects your nonprofit and your volunteers if accidents occur while serving.

Special Event Insurance

Covers fundraising events, galas, community programs, and event cancellations.

Cyber Liability Insurance

Helps protect against data breaches, ransomware, and donor information theft.

Property Insurance

Covers damage or loss to your office, building, equipment, or supplies.

Workers' Compensation

Provides benefits for employees injured on the job, as required by California law.

Specialized protection for nonprofits serving youth, seniors, or other vulnerable groups.

How Much Does Nonprofit Insurance Cost ?

The cost of nonprofit insurance depends on factors such as:

• Type of nonprofit and services offered
• Number of employees and volunteers
• Annual revenue and funding sources
• Event frequency and size
• Claims history
• Property owned or leased

On average, small nonprofits may pay $500 – $2,000 per year for general liability, while larger organizations with employees and multiple coverages may pay $5,000 – $15,000+ annually.

Compliance & Legal Requirements for Nonprofits

Many nonprofits are required by funders, landlords, or state regulations to carry certain types of insurance. Examples include:

Workers’ Compensation – required for nonprofits with employees.

General Liability – often required for grants, facility use, or partnerships.

D&O Insurance – may be required by certain funding sources or bylaws.

We’ll help ensure your nonprofit meets all legal and contractual insurance requirements.

Risk Management for Nonprofits

Insurance is just one part of protecting your mission. We also help nonprofits lower risks to keep costs manageable:

• Volunteer safety training and protocols
• Event safety checklists
• Cybersecurity best practices for donor and member data
• HR and employment law compliance support
• Facility inspections and loss prevention programs

Our Far West Leavitt Insurance Services team partners with you not only to insure, but also to prevent claims and protect your budget.

Why Choose Far West Leavitt Insurance Services for Nonprofit Insurance

Experience with nonprofits – we understand the risks unique to 501(c)(3) organizations.

Access to top carriers – we work with leading insurance companies offering specialized nonprofit programs.

Tailored coverage – no cookie-cutter policies; we design protection around your mission.

Risk management support – reduce claims and costs with proactive guidance.

Trusted advisors with decades of service.

Frequently Asked Questions

• Can fundraising events be insured?
  Yes, special event insurance covers things like event cancellation, property damage, and attendee injuries.
• How much insurance does a nonprofit need?
  Coverage levels depend on your operations, risks, and funder requirements. Our team can assess your needs and recommend limits.
• Is D&O insurance required for nonprofits?
  Not always by law, but many funders and board members require it before serving.
• Do volunteers need to be insured?
  Yes, volunteers can create liability exposure. Volunteer accident or liability coverage helps protect both the organization and volunteers.
• What does nonprofit insurance cover?
  It depends on the policy, but most nonprofits need at least general liability and D&O insurance. Other coverages are added based on your activities.