What We Cover
Nonprofits, churches, and community organizations do vital work — but they face the same liability risks as any business, plus unique exposures related to volunteers, board governance, and the vulnerable populations they serve. A single lawsuit from a slip-and-fall at a church event, a D&O claim against your board, or an allegation of misconduct can threaten the mission you’ve built.
Collin County Insurance Group understands the nonprofit sector and has access to specialty carriers who offer comprehensive packages designed specifically for mission-driven organizations.
Most nonprofits operate with tight budgets and assume they can’t afford proper insurance. The reality is the opposite: you can’t afford to go without it. A D&O claim against your board can cost $50,000–$200,000 in legal defense alone. An abuse allegation — even one that’s unfounded — can destroy your organization’s reputation and funding if you don’t have the right coverage to mount a proper defense.
Who Needs Nonprofit Insurance
If your organization operates for a charitable, religious, educational, or community purpose, you need proper coverage. We insure:
- Churches and religious organizations — worship facilities, ministry operations, and church schools
- 501(c)(3) nonprofits — charitable organizations of all sizes
- Child care centers — commercial and in-home operations
- Mental health organizations — counseling and behavioral health services
- Home health and hospice care — in-home medical services
- Social service organizations — community support and outreach
- Youth sports organizations — leagues, clubs, and recreational programs
- Arts and culture nonprofits — museums, theaters, and cultural centers
- Booster clubs and PTOs — school support organizations
- Chambers of commerce — business association organizations
- Recovery support groups — substance abuse support services
What We Cover
Directors & Officers (D&O) protects your board members and leadership from personal liability for decisions made on behalf of the organization. Board members volunteer their time — they shouldn’t risk their personal assets to serve your mission.
General Liability covers bodily injury and property damage claims from people who attend your events, visit your facility, or participate in your programs.
Abuse & Molestation Coverage is essential for any organization that works with children, elderly, or vulnerable adults. This coverage responds to allegations of sexual misconduct, physical abuse, or emotional abuse — claims that standard GL policies exclude.
Commercial Property covers your building, contents, equipment, and specialized items like musical instruments, audiovisual equipment, and religious artifacts.
Workers Compensation covers your paid staff for on-the-job injuries. Even organizations with mostly volunteers typically have some paid employees who need coverage.
Volunteer Accident Coverage provides medical expense coverage for volunteers injured while serving your organization — an important benefit that helps you recruit and retain volunteers.
Event Liability covers your organization when hosting fundraisers, community events, or special programs. Whether you’re running a church carnival, a charity gala with alcohol, or a youth sports tournament, event-specific coverage protects against injuries and property damage that occur during the event.
Industries We Serve
Through USLI, Philadelphia Insurance, Combined Group, and our direct carrier appointments, we have specialty access for the full range of nonprofit organizations:
- Large multi-campus churches
- Startups and newly formed nonprofits
- Organizations with prior claims history
- Programs serving high-risk populations
- Special events with and without liquor service
Why Choose Collin County Insurance Group
Nonprofit insurance is a specialty that requires understanding both the coverage and the mission. Many agents try to fit nonprofits into standard business policies, leaving gaps in D&O, abuse and molestation, and volunteer coverage. We use carriers like USLI and Philadelphia Insurance who build packages specifically for nonprofits — comprehensive coverage at rates that respect your budget.
We also understand that nonprofit boards often include community volunteers who serve without compensation. These board members deserve protection for the decisions they make in good faith. We make sure your D&O policy covers past, present, and future board members — so you can recruit leadership without asking people to risk their personal assets.
Ready to protect your nonprofit or church? Contact us for a free quote today.
