Non-Profit Insurance
Risk Management & Insurance for Non-Profit Organizations
In 1854 when we launched our business, charitable organizations were very different than they are today. Simultaneous to our start, the Mercer County Home and Hospital was opening its doors — in the fashion of the era, a “poor farm” or “alms house” dedicated to providing for the indigent. Today, Pennsylvania is home to thousands of nonprofits offering charitable and philanthropic services. Gilbert’s Risk Solutions is proud to “help the helpers,” providing non-profit insurance and risk management to these vital community resources.
Non-profit organizations take many forms: arts and theatre groups, foodbanks, daycare and eldercare programs, social service agencies, residential treatment programs, and more.
Risks Non-Profit Organizations Face
Nonprofits face a distinct set of exposures: D&O exposure from board decisions, volunteer liability, event liability, abuse and molestation liability, and cyber risk. Typical commercial insurance policies don’t provide suitable coverage — non-profit insurance must be tailored to your organization’s unique circumstances, especially since most nonprofits rely heavily on volunteers.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Protect Your Mission with Non-Profit Insurance
The right insurance lets your organization focus on its mission, not on worrying about unexpected claims. Gilbert’s Risk Solutions insures a wide range of non-profit organizations — find out how we can help yours.
Working with Non-Profit Insurance Companies You Can Trust
We partner with insurance companies that specialize in nonprofit liability coverage, ensuring your organization gets protection built around volunteer risk, board exposure, and mission-driven work — not a generic commercial policy.
Common Insurance for Non-Profits:
- General Liability Insurance
- Directors and Officers Liability
- Commercial Property Insurance
- Business Interruption/Loss of Income
- Commercial Auto Insurance
- Non-Owned/Hired Vehicle Insurance
- Umbrella Insurance
- Cyber Liability Insurance
- Employment Practices Liability Insurance
- Employee Benefits Liability
- Workers’ Compensation
- Fidelity Insurance
- Sexual Misconduct
- Clergy Insurance
- Volunteer Insurance
Other Services: Surety Bonds, Employee Benefits, Human Resources, Compliance Consultation, Risk Management, Loss Control
Our Goal Is to Be Your Outsourced Risk Management Partner
Most nonprofits operate on thin margins with little room for unplanned financial expenses. A slip-and-fall suit from a volunteer, a burglary, or a kitchen fire during a fundraiser can spell disaster without proper insurance in place. Gilbert’s Risk Solutions partners with non-profit organizations to identify areas of potential exposure and recommend solutions to mitigate risk.
Tailored Solutions
All nonprofits are different in purpose, structure, and the risks they face. As part of our risk assessment process, we’ll advise you of any organization-specific exposures that might warrant risk control measures or supplemental coverage. We work with more than 100 of the nation’s premier insurance companies and can find any specialty coverage you may need.
360 Degree Approach
We take a 360-degree view of your organization to ensure you’re secure. Non-profit organizations benefit greatly from our broad range of services, including Loss Control, Employee Benefits, HR, compliance consultation, and Surety Bonds.
Our RISK SHIELD® Process
Insurance is only one piece of protecting your organization — managing your risk matters just as much. Our proprietary RISK SHIELD® Process identifies your exposures and puts a loss control plan in place to mitigate them. Often the solution is an insurance product, but frequently it’s a recommendation for a business process or measure that reduces an exposure.
CONSULT
DESIGN
BUILDING
MAINTAIN
Non-Profit Insurance FAQs
Yes — board members can be held personally liable for decisions made on the organization's behalf, making D&O coverage important protection for both the nonprofit and its leadership.
Not always automatically — coverage for volunteer-related incidents often needs to be specifically addressed, either through your general liability policy or dedicated volunteer insurance. Learn more about our General Liability Insurance.
Pricing often reflects nonprofit-specific factors like reliance on volunteers, revenue from fundraising events, and mission-driven exposures like abuse liability, rather than standard commercial revenue-based metrics.
