Insurance for Nonprofit and Human Services Organizations

It takes the strength of a few to lift the souls of many.

Specialized insurance for the special work you do.

The work you do serves a higher purpose. We share your commitment to serve and inspire others, which is why we're not a typical insurance company. For more than 125 years, we've made it our mission to protect yours. That protection goes beyond your people and property; we're also dedicated to protecting the purpose you serve in your community.

For nonprofits, day cares and many other human services organizations, Church Mutual® offers the specialized protections you need to keep serving those who need you.

If you have questions for our Nonprofit and Human Services Assistant Vice President of Underwriting, please contact Nicole Jolley.

They're mission focused and their mission is focused on us achieving ours. You don't get that from a company that doesn't specialize in nonprofits.

Shelly Kuyatt

Director of Operations, Every Meal

Find out if your current coverage is meeting your specialized needs

Find out if your current coverage is meeting your specialized needs.

Download Our Policy Review Guide

We believe in you and your purpose.

We understand what you do is special, which is why we're committed to helping you make a difference.

Specialized Coverage

With 125+ years of experience partnering with organizations like yours, we understand your unique needs and have specialized coverage options to meet them.

Holistic Protection

We eliminate the complexity of working with multiple providers by offering a comprehensive set of protections purpose-built for purpose-driven organizations.

Shared Commitment

We share your deep commitment to serving others and work alongside you not only to protect your people and property, but just as importantly, your mission to make a difference.

I choose Church Mutual because they are a trusted partner - I'm not just a customer, but they're truly invested in the work that I do and they truly want us to succeed.

Donna Ambrose

Executive Director

Neighbor's Place

Our Church Mutual rep comes here once or twice a year. He knows who I am personally, he knows what this facility is, and what we do. Church Mutual cares about who you are — that's priceless.

Dave Sanders

Executive Director

The Center — Palos Park, Illinois

We were happy to make a transition to Church Mutual because we felt they offered the right coverage for our organization at a price point that allowed us to devote more resources to our cause while maintaining peace of mind about our coverage.

Cory Bledsoe

Executive Director

Louisville Rescue Mission — Louisville, Kentucky

A partner for insurance should offer more than just quotes and coverage. We are very pleased to work with Church Mutual, which provides expansive resources in education on a range of issues that help with risk mitigation and best practices.

Claas Ehlers

Chief Executive Officer

Family Promise — Summit, New Jersey

Protecting your mission by managing your risk.

When you work with Church Mutual, you are working with experienced professionals who know the unique risks a specialty organization like yours faces. We offer innovative technology and valuable resources to help identify potential dangers before they threaten your mission.


24/7 temperature and water alert system.

Our sensors notify you when water or extreme temperatures are detected in your building, so you can prevent small issues from becoming big problems.

See How Our Sensors Work

Safety Resources

Prevent problems by being prepared for them.

We offer a comprehensive set of safety resources that help specialty organizations like yours take the measures needed to prevent risk-related losses.

See How Our Resources Reduce Risk


Stop child sexual abuse before it happens.

We partner with Abuse Prevention Systems® to provide your organization with the tools, resources and training needed to proactively prevent child sexual abuse.

See How Prevention Protects Children

Coverage designed for you.

Whether you're looking to insure your childcare, food program or any other nonprofit or human service organization, we offer the specialty coverage options you need to help protect your people, property and mission.


Provides coverage for your structure and personal property. Optional coverage for business income, extra expense, equipment breakdown, limited water damage and other causes of loss are available.

Inland Marine

Coverage for your most valuable, rare or antique possessions, valuable papers and records, accounts receivable, watercraft, signs, theatrical property and much more.

General Liability

Protects your organization, employees and volunteers against claims of negligence involving bodily injury, property damage, personal and advertising injury, catastrophic violence and more.

Employment-Related Practices Liability

Protection for your directors, officers, trustees and other elected members of your governing board against allegations of discrimination, wrongful termination and sexual harassment.

Sexual Molestation or Misconduct

Provides liability protection for claims involving actual or alleged acts of sexual misconduct or molestation.


Coverage to protect your organization from criminal acts, including theft of money and securities, employee theft, fraud and forgery, and alterations.

Management Liability

Protection for your directors, officers, trustees and other elected members of your governing board against allegations of wrongful acts.

Commercial Auto

Coverage against financial loss in the event of an automobile accident or theft.

Professional Liability

A variety of professional liability coverages are available to cover actual or alleged negligent acts and issues related to rendering professional services.

Workers' Compensation

Supports your employees should they be injured in the course of their employment.

Cyber Liability

Financial protection against cyber liability and the ever-increasing threat of data breaches.


Designed to protect your organization from major claims, providing higher limits of insurance for such things as general and automobile liability exposure.

See the difference.

Find out if your current insurance coverage is really covering all the unique and important needs of a specialty organization like yours.

Request a Quote

Explore up-to-date information on pressing issues facing your organization. We frequently post safety tips, educational webinars and more on the topics that matter to you.

Mental health in the workplace

Mental health issues have become a topic of conversation more now than they were 20 or even 10...

Read Article

Food safety tips for any occasion

The kitchens across the country are often busy with volunteers making meals for a variety of...

Read Article

Remember state registration for your charity

Does your nonprofit organization solicit donations from donors in states other than your own?...

Read Article


  • Animal/wildlife protection and welfare
  • Animal sanctuaries
  • Animal shelters and rescues
  • Aquariums
  • Humane societies and SPCAs
  • Wildlife refuges
  • Zoos

Counseling and Treatment Services

  • Adult and child abuse counseling
  • Alcohol and drug abuse counseling
  • Career and vocational counseling
  • Counseling programs
  • Grief counseling
  • Marriage and family counseling
  • Mental health outpatient services
  • Single parent agencies
  • Stress and anxiety counseling
  • Support groups
  • Youth counseling


  • Charitable organizations
  • Community foundations
  • Fundraising and grant-making organizations
  • Public and private foundations
  • United Way organizations

Arts and Culture

  • Art galleries
  • Arts education and schools
  • Ballets
  • Bands and ensembles
  • Children's museums
  • Community arts centers
  • Community celebrations and events
  • Cultural/ethnic centers and organizations
  • Dance groups
  • Dance and drama schools
  • Film schools
  • Historical societies and preservation organizations
  • Museums
  • Music organizations and schools
  • Operas
  • Performing arts centers and organizations
  • Performing arts schools
  • Planetariums
  • Singing and choral groups
  • Symphony orchestras
  • Theaters (including traveling theaters)
  • Visual arts organizations


  • Adult education
  • Culinary programs
  • Language programs
  • Leadership development programs
  • Learning centers and organizations
  • Libraries
  • Parent and teacher groups
  • Remedial reading and encouragement programs
  • Safety education programs
  • Scholarship organizations
  • Special education organizations
  • Speech therapy centers
  • Test preparation and tutoring services
  • Vocational and technical programs


  • Autism clinics and services
  • Behavioral health services
  • Community clinics*
  • Free clinics*
  • General outpatient clinics*
  • Mental health services
  • Urgent care clinics*
  • Walk-in clinics*

*Excludes Medical Professional Liability

Associations and Clubs

  • Alumni associations
  • Business and trade associations
  • Chambers of commerce
  • Civic organizations
  • Community coalitions and advocacy organizations
  • Community service clubs
  • Fraternal organizations and societies
  • Garden clubs
  • Homeowners associations (HOAs)
  • Junior leagues
  • Membership organizations
  • Neighborhood organizations
  • Professional societies and associations
  • Service clubs for men and women
  • Social clubs
  • Urban leagues
  • Veterans and military organizations


  • Career and vocational counseling centers
  • Employee training programs
  • Employment preparation and procurement organizations
  • Job training programs
  • Sheltered workshop and employment organizations

Overnight Facilities and Shelters

  • Emergency shelters
  • Family violence shelters
  • Group homes
  • Homeless shelters and centers
  • Homes for children and adolescents
  • Housing for the developmentally disabled
  • Housing search assistance organizations
  • Rescue missions
  • Substance abuse treatment facilities
  • Supportive and temporary housing
  • Transitional housing
  • Women's shelters

Child Day Cares and Preschools

  • Licensed child day care centers
  • Preschools
  • Nursery schools
  • Head Start programs
  • Montessori schools (early childhood)
  • Before-and-after school programs

Environmental Protection and Beautification

  • Environmental research and education
  • Botanic gardens and arboreta
  • Community gardens
  • Forest conservation organizations
  • Garden and horticultural clubs
  • Land resource conservation organizations
  • Natural resource conservation and protection organizations
  • Nature centers
  • Water resource and wetlands conservation organizations

Sports and Recreation

  • Athletic, health and fitness clubs
  • Community recreational centers
  • Country clubs
  • Dance studios
  • Pilates studios
  • Swim clubs
  • Tai chi centers
  • Yoga studios and centers

Community Services

  • Adult day care
  • Business and citizenship programs
  • Child and youth services
  • Community action programs
  • Community centers and coalitions
  • Community improvement organizations
  • Cemeteries
  • Day services for the developmentally disabled
  • Emergency assistance organizations
  • Ethnic, immigrant and refugee services
  • Family services
  • Gift distribution
  • Goodwill Industries
  • Hearing and visually impaired services and centers
  • Jewish community centers (JCCs)
  • Neighborhood centers
  • Outreach programs and ministries
  • Pregnancy centers
  • Respite care/temporary relief services
  • Senior centers
  • Thrift stores and secondhand stores
  • Victim services


  • Congregate meals
  • Food banks and pantries
  • Food distribution programs
  • Meals on Wheels
  • Nutrition programs
  • Soup kitchens


  • Boys and Girls Clubs
  • Youth centers and clubs
  • Youth community service clubs
  • Youth development programs
  • Youth violence prevention organizations
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Church Mutual Insurance Company, S.I. (a stock insurer)
P.O. Box 357 | 3000 Schuster Lane | Merrill, WI 54452-0357
Telephone (800) 554-2642 or (715) 536-5577

© 2022 Church Mutual Insurance Company, S.I. All rights reserved. Protecting the Greater Good is a registered trademark of Church Mutual Insurance Company, S.I.

Church Mutual is a stock insurer whose policyholders are members of the parent mutual holding company formed on 1/1/20. S.I. = a stock insurer.