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NONPROFIT INSURANCE · GEORGIA

Insurance for Georgia nonprofits and charitable organizations.

Georgia nonprofits face the same liability, property, and employment exposures as any business but have specific coverage needs around volunteers, board governance, and program activities. Standard commercial programs often miss key exposures that nonprofit-specific carriers address.

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WHAT'S COVERED

What nonprofit insurance covers

Directors and Officers (D&O)

Pays defense costs and damages if board members or officers are sued for decisions made on behalf of the organization.

Employment Practices Liability (EPLI)

Covers claims of wrongful termination, discrimination, and harassment by employees or volunteers.

General Liability

Pays if a client, visitor, or third party is injured at your facility or because of your programs.

IMPORTANT LIMITATIONS

What nonprofit insurance does not cover

Volunteer injury coverage gaps

Volunteer injuries may require specific endorsements depending on the carrier.

Professional errors in programs

Professional services and program-related errors require a separate professional liability policy.

Intentional acts

Intentional acts by board members or officers are excluded.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Running a Georgia nonprofit without proper coverage?

Nonprofit insurance has specific requirements that differ from standard commercial programs. Send us your organization details and we will find carriers that specialize in nonprofit and social services.

$800 to $3,000 per year for most Georgia nonprofits

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