Nonprofit Insurance Massachusetts

Choice Insurance Agency

Nonprofit Insurance in Massachusetts

Offering customized insurance solutions in Massachusetts and beyond.

What is nonprofit insurance?

The good that nonprofits do doesn’t prevent bad things from happening to them. Neither does nonprofit insurance, but having insurance could help with costs that follow a covered event. A good policy could provide Massachusetts nonprofits with important protections.

Nonprofit insurance offers not-for-profit organizations coverages tailored for their needs. Policies may protect a nonprofit against a variety of property and liability risks, depending on need.

Which Massachusetts not-for-profits need to have nonprofit liability insurance?

Nonprofit liability insurance is something that most Massachusetts not-for-profit organizations should consider. Almost any organization could be sued, and few have the funds for a major lawsuit. For some examples, this insurance is regularly used to protect:

  • Churches, mosques, temples, and other religious organizations
  • Preschools, after-school programs, and children’s summer camps
  • Historic museums and cultural heritage centers
  • Social advocacy groups, environmental advocates,  and animal rights groups
  • Land trusts and land management nonprofit organizations
  • Most other nonprofit organizations holding 501(c)3 status

Organizations that have significant assets may want property insurance coverages, too.

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Nonprofit Insurance Massachusetts

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Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.

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Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.

Mike R., Google Review

I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!

Christine A., Google Review
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
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Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.

Chris C., Google Review

I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.

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What nonprofit liability insurance coverages can organizations get?

There are many nonprofit liability coverages that are available. While which ones a particular organization should select depends on the organization’s specific situation, most are wise to choose multiple coverages. Some of the most common ones include:

  • General Liability Coverage: Typically insures against common accidents that result in injuries or property damage to third parties, and often also includes defamation protections.
  • Professional Liability Coverage: Typically insures against errors made by a nonprofit’s employees or volunteers if they give professional advice or apply a specialized skill.
  • Directors & Officers Liability Coverage: Typically insures against claims that a board member or other leader’s decision negatively impacted the nonprofit organization.
  • Employment Practices Liability Coverage: Typically insures against allegations of discrimination that a nonprofit organization’s employees or volunteers could make.
  • Cyber Liability Coverage: Typically insures against various digital risks, such as data breaches, website attacks, phishing campaigns, and ransomware.
  • Social Engineering Fraud Coverage: Typically insures against financial losses from fraudulent or deceptive misrepresentations.
  • Special Events Coverage: Typically provides additional liability protections for the duration of an event that a nonprofit is hosting.
  • Umbrella Coverage: Typically provides additional liability protections for covered claims that exceed another nonprofit liability insurance’s limit.

What property coverages can nonprofit organizations get?

Property coverages are generally available for most assets that nonprofits might have. The options that policies offer usually include:

  • Commercial Building Coverage: Might insure any buildings owned by a nonprofit organization.
  • Tenants Betterment Coverage: Might insure improvements and upgrades that a nonprofit organization makes to a facility that’s leased.
  • Commercial Contents Coverage: Might insure items that a nonprofit owns and keeps at its location, ranging from office equipment to products.
  • Inland Marine Coverage: Might insure items when a nonprofit is taking them to and from fundraisers, conferences, or other events, and also between other locations.
  • Commercial Auto Coverage: Might insure commercially registered vehicles that a nonprofit owns.
Nonprofit Insurance Massachusetts

When do nonprofit organizations need to get liquor liability coverage?

Liquor liability coverage is often recommended anytime alcohol is served at a nonprofit event. For example, a nonprofit organization might need this if alcohol is being served at an exclusive donor event, public fundraiser, or other event. Without coverage, any incidents involving an intoxicated attendee may not be covered.

If liquor liability is needed just for one event, an insurance agent who knows nonprofit liability insurance coverages well should be able to secure short-term liquor liability. This may procured on its own, or as part of an event coverage package.

How much do nonprofit organizations pay for their insurance?

The cost of insuring a nonprofit can vary a lot, but most organizations will find that a policy can fit within their budget. Organizations can get different quotes for the coverages they need by working with an independent insurance agent.

Choice Insurance Agency

Where can nonprofits in Massachusetts get nonprofit insurance?

If you run a nonprofit organization in Massachusetts and need insurance, contact the independent insurance agents at Choice Insurance. We’ll help you find nonprofit insurance that’ll protect your organization well.

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