Industries
Insurance for Arizona Nonprofits
Nonprofits juggle exposures that look nothing like a typical business: volunteers, events, donated space, vulnerable populations, and a board of community members who did not sign up for personal liability.
BrokerPro works with Arizona nonprofits to build coverage that matches the mission and the budget, and to explain the policies in terms a board can act on.
Common risks
Common nonprofit exposures:
- Injuries at events, programs, and facilities
- Claims against board members and officers
- Employment disputes, the most frequent claim against small organizations
- Volunteer injuries and volunteer-caused damage
- Abuse and molestation allegations in programs serving youth or vulnerable adults
- Donor data and payment information held in small systems
Recommended coverage
A typical nonprofit program includes:
General liability
premises, events, and program operations
Directors & officers with EPLI
protects board members and covers employment claims
Abuse and molestation coverage
essential for youth-serving and care programs
Volunteer accident coverage
medical coverage for injured volunteers
Property and equipment
for owned or borrowed space and gear
Cyber liability
donor data and payment systems
What landlords, clients, and contracts commonly require
- Venues and municipalities require event certificates, often with additional insured status
- Grant agreements increasingly specify minimum insurance
- Board candidates often ask about D&O before agreeing to serve
Common questions
Our budget is tight. Where should a small nonprofit start?
General liability is usually first because venues and partners require it. D&O with employment practices follows close behind once there is a board and staff. From there it depends on the programs. We are comfortable building this in stages.
Do we need special coverage because we work with kids?
Youth programs need abuse and molestation coverage, and many GL policies exclude it by default. Carriers will ask about screening, training, and supervision policies. We work with markets built for youth-serving organizations.
Are volunteers covered under our liability policy?
Volunteers can often be added as insureds for liability they cause while working for you, but their own injuries usually need a separate volunteer accident policy. The two get confused constantly, and the difference matters.
Insurance built around how nonprofits actually work
Send us the basics. We'll ask the right questions and come back with options.