Insurance for Nonprofits and Human Services Organizations

Committed to Helping You Make a Difference

As you work to make a positive impact, we’re here to support you with personalized, comprehensive insurance for nonprofits and human services organizations. Our coverage protects your mission, programs, staff and the communities you serve. With specialized insurance for nonprofit organizations, you gain the confidence to focus on creating change where it matters most.

Why Church Mutual

Specialized Insurance

Mission-driven nonprofits and human services providers have trusted us for more than 125 years. Our specialized solutions—including nonprofit liability insurance where it applies—are designed to address your unique requirements.

Holistic Protection

Streamline operations with comprehensive coverage solutions, such as liability insurance for nonprofits and other mission-based organizations. Our holistic approach ensures that all aspects of your nonprofit or human services program, from people to property, are protected.

Risk Management Resources

Take advantage of resources designed to help you proactively identify and mitigate risks. Our tools and expertise empower you to create a safer environment for those you serve.

Shared Commitment

We share your dedication to serving others. Whether you lead a nonprofit or a human services program, we’re proud to protect your organization as you make a positive and lasting impact.

Titusville YWCA

Church Mutual customer Titusville YWCA recognizes that homelessness is a sad reality for many women, children, and families in our communities and responds by offering advocacy, emergency shelter, and rental assistance services.

It's good to know that we have Church Mutual to meet our insurance needs and help us adapt to this ever-changing world.

Ashleigh English

Director, YWCA Titusville

General Liability Insurance

General liability insurance can shield your organization from the financial and legal consequences of injuries or property damage. Our general liability insurance for nonprofits and human service organizations helps ensure that medical expenses, legal fees and property repairs are covered—safeguarding your mission, assets, and reputation. With specialized liability insurance for nonprofit organizations, you gain peace of mind knowing your programs and the people you serve are protected.

General Liability Offerings

Property Insurance

Property insurance covers physical assets against losses or damage caused by fire, theft, vandalism or other covered incidents. This type of insurance can help your organization recover, resume operations and replace essential assets without incurring significant financial burdens. It’s crucial for maintaining stability, serving beneficiaries and continuing your organization’s mission without interruption.

Property Insurance Offerings

Employment-Related Practices Liability Insurance (EPLI)

EPLI protects organizations like yours from potential legal claims and financial liabilities arising from wrongful employment practices such as discrimination or harassment. EPLI helps nonprofits and human services organizations foster a safe and inclusive work environment, mitigate the risks associated with employment-related claims and protect their reputation and financial stability.

EPLI Insurance Offerings

Cyber Liability Insurance

Cyber liability insurance safeguards your organization from the financial and reputational risks associated with data breaches, cyberattacks or unauthorized access to sensitive information. This insurance can help protect the personal information of beneficiaries, donors and employees, as well as maintain trust and mitigate the potential financial and legal consequences of a cyber incident.

Cyber Liability Offerings

children gathered around a table with circuit parts and laptops learning to code

Workers’ Compensation Insurance

Your employees are the heart of your organization and the driving force behind your mission. Through workers’ compensation insurance, nonprofits and human services organizations can fulfill their duty of care toward their employees, promote a safe work environment and mitigate the financial burdens associated with workplace injuries or illnesses.

Workers’ Compensation Offerings

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More Ways To Manage Your Risk

Explore risk management resources designed to help you mitigate and navigate specific challenges your organization may face.

All Nonprofit & Human Services Risk Resources

Videos

Safety Products

Checklists & Guides

Articles

Insurance FAQs for nonprofits and human services organizations

The right insurance can protect your community, programs and mission. Learn more about insurance designed for organizations like yours.

See All FAQS

What types of nonprofits and human services organizations do you serve?

We’re proud to provide specialized coverage to purpose-driven nonprofits and human services organizations, food-related organizations, shelters and overnight facilities, arts and cultural organizations and many more.

Why is having insurance important for nonprofit organizations?

Insurance can safeguard assets, cover legal costs and help mitigate potential risks,allowing nonprofits to focus on their mission without worrying about potential financial setbacks.

How does nonprofit insurance differ from regular insurance?

Nonprofit insurance is specifically designed to address the unique risks and needs of nonprofit organizations. It provides coverage tailored to protect against liabilities common in the nonprofit sector, such as general liability insurance, employment-related practices liability insurance (EPLI) and workers’ compensation insurance.

Specialized Insurance for Nonprofits and Human Services Organizations