Colorado Nonprofit Insurance

Get A Nonprofit Insurance Quote in Colorado Today

It Just Takes A Few Clicks

Or Give Us A Call At (440) 826-3676

Get Tailored Nonprofit Insurance To Protect Your 501(c)(3) Organization in Colorado From The Allen Thomas Group Insurance Agency

Many non-profits in Colorado face unique risks.

The right non-profit insurance is an essential safeguard against potential threats that many nonprofits face.

Our team at The Allen Thomas Group has been working tirelessly to protect nonprofit organizations with insurance solutions tailored to their specific needs for over 20 years.

We understand that your nonprofit needs more than standard business insurance – you need the best insurance types that protect your board members, volunteers, staff, and the communities you serve, all while meeting strict Colorado insurance regulations.

As an independent insurance agency, we work with multiple insurance carriers to find the right coverage at competitive rates.

We know that every dollar saved on insurance is another dollar that goes toward your mission, which is why we take time to understand your specific needs and risks before recommending coverage options.

Let us help you navigate the insurance maze.

Get a quote online!

How much does nonprofit insurance cost in Colorado?

The average cost of nonprofit insurance in Colorado typically starts around $600 per year for basic general liability coverage.

A Partner You Can Trust

Nonprofit-Specific Solutions by Organization Type

The Allen Thomas Group is well aware of the insurance requirements of various types of not for-profit organizations. We focus on making solutions tailored to their unique needs.

Religious Organizations

Every nonprofit is unique. We protect churches and religious groups across Colorado. Our coverage includes special event insurance for holiday celebrations and protection for religious artifacts.

Educational Groups

From private schools to tutoring programs, we cover student safety, field trips, and educational equipment.

Health Services

Medical liability coverage protects free clinics and health education programs.

Arts and Cultural Groups

Performance venues, galleries, and museums need specific protection for valuable items and public events.

Risk Protection for Key Stakeholders

Board Members

Your directors and officers play a vital role in your organization and need protection from lawsuits targeting their personal assets. We structure directors and officers liability insurance to match your board’s specific risk profile.

Staff Members

Appropriate insurance coverage for your staff makes them feel valued. Workers’ compensation and employment practices liability protect your paid employees.

Volunteers

Special volunteer accident coverage protects the people who spend their valuable time to serve the community. What if a volunteer drives their personal vehicle for your organization? Our policies can include non-owned auto coverage.

Getting The Right Coverage

Coverage Types for Colorado Non-Profits

We understand the financial pressures facing nonprofits in today’s environment.

Our team develops strategies to find policies that align with your budget while maintaining comprehensive protection.

Through careful policy analysis, we identify opportunities to reduce costs without sacrificing necessary coverage.

By bundling multiple policies together, we often secure better rates for our clients.

Colorado General Liability Insurance

General liability insurance forms the foundation of nonprofit protection. This coverage safeguards your organization from common risks like slip-and-fall incidents or property damage claims.

What if a volunteer suffers bodily injury or property damage during your food distribution event? Without general liability coverage, you would be faced with a $50,000 lawsuit out of pocket due to injury or property damage claims.

General liability policy covers all medical expenses and legal costs, allowing you to continue serving the community without financial strain.

Commercial auto insurance

You need insurance to cover your automobiles and vehicles used for volunteering purposes.

What if your nonprofit’s van gets into an accident while delivering meals to seniors?

Commercial auto insurance in Denver and whole of Colorado protects vehicles used for your nonprofit’s operations.

The coverage extends to owned vehicles, staff vehicles used for nonprofit work, and rented vehicles. We structure policies to cover volunteers who drive for your organization.

The coverage includes collision, comprehensive, and liability protection specific to nonprofit vehicle use.

Workers' Compensation Insurance

The Colorado Department of Labor requires workers’ compensation coverage when you hire employees. What if a staff member gets hurt during a community event?

Our workers’ compensation protects both your employees and your organization. It covers medical expenses, lost wages, and rehabilitation costs for work-related injuries or illnesses.

Commercial Property Insurance

Property insurance keeps your physical assets safe in the state of Colorado. What if a winter storm damages your nonprofit’s building?

For nonprofit organizations, vandalism can pose significant risks, potentially leading to costly repairs and disruptions in operations.

Property insurance covers vandalism costs. When someone spray-paints your walls, breaks your windows, or damages your property, your policy helps pay for repairs.

You pay your deductible, and the insurance covers the rest of the damage costs.

Directors & Officers Insurance

Board member protection (Directors & Officers insurance) provides coverage for your leadership team from personal financial loss.

D&O insurance is particularly important to shield board members from personal liability for decisions made in their official capacity, encouraging them to focus on their mission.

The policy outlines specific coverage limits that protect board members from claims related to their decisions, ensuring that their personal liability is minimized while they fulfill their leadership roles.

Board members can have peace of mind knowing their personal assets are shielded from liability claims when facing a donor dispute over fund allocation.

Employment Practices Liability

What if a former employee files a discrimination claim? Employment practices liability insurance (EPLI) protects your nonprofit from claims involving hiring, firing, discrimination, harassment, and workplace misconduct.

This insurance policy helps Colorado non-profits manage human resource risks while maintaining fair workplace practices.

We’ve helped many 501(c)(3) organizations navigate employment claims successfully with this nonprofit organization insurance. The coverage includes legal defense costs, settlements, and judgments.

Additional Coverages To investigate

Special Event Coverage and Risk Management

Special events bring unique risks to nonprofits. Insurance is a type of protection or volunteer groups and 501(c)(3) organizations.

The right insurance coverage tailored to their unique requirements protects fundraisers, galas, and community events.

Cyber Liability Insurance

What if your donor database gets hacked?

Your nonprofit handles sensitive data – donor information, payment details, and client records.

A data breach costs non-profits an average of $200 per compromised record.

Our cyber liability coverage protects your Colorado nonprofit from cyber attacks, ransomware, SMS phishing, and data breaches.

Our cyber coverage in Colorado can ensure:

Network security protection that guards against hackers and malware. Data breach response services that help maintain donor confidence. Protection for online fundraising platforms and digital payment systems. Recovery assistance for compromised computer systems.

We’ve helped 501(c)(3) organizations recover from cyber incidents with Denver, Boulder, Colorado Springs, and Castle Rock insurance. The coverage includes breach notification costs, legal expenses, credit monitoring services, and system recovery.

Business Interruption Insurance

What if a disaster forces your nonprofit to close temporarily?

Business Interruption Insurance helps replace lost income when your organization can’t operate.

Your nonprofit’s mission continues even when operations pause.

Professional Liability Insurance

We structure professional liability protection that covers both traditional and innovative service delivery methods.

With the state’s push toward integrated service models, our coverage adapts to changing program needs while maintaining consistent protection levels.

An Agency That Values Your Mission

Colorado Nonprofit Insurance Requirements

The Colorado Department of Regulatory Agencies establishes comprehensive Colorado non-profit insurance requirements for 501(c)(3) organizations operating in the state.

Your organization must maintain minimum liability coverage to operate legally and protect your mission.

Workers’ compensation becomes mandatory once you hire employees, protecting both your staff and your organization.

Special event permits often require specific insurance documentation, which we help you secure and maintain.

The Allen Thomas Group Difference

Our independent agency status means we work for you, not for insurance companies.

We compare rates from multiple commercial insurance carriers to find the best fit for your organization.

Local expertise matters – we closely observe Colorado’s nonprofit sector. From Denver to Grand Junction, we understand the local risks your organization faces.

Claims support sets us apart, reinforcing the trust clients have on our team of insurance brokers.

Weather-Related Considerations for Colorado Nonprofits

The weather presents specific risks to non-profit organizations in Colorado. We cover you in the event of heavy snow, hail storms, and sudden temperature changes.

The policy covers both property damage and business interruption.

Mountain-area non-profits benefit from our specialized coverage for avalanche and mudslide risks.

Volunteer Protection Strategies

Volunteers form the backbone of many Colorado nonprofits.

We create comprehensive non profit insurance plans that cover volunteer activities while managing costs.

Future Planning

Understanding the factors that influence insurance premiums can help Colorado 501(c)(3) organizations make informed decisions about their coverage options and budget effectively for the year ahead.

As your nonprofit grows, we help plan for changing insurance needs.

Our team analyzes trends in the nonprofit sector to anticipate new risks. We monitor Colorado insurance regulations to ensure continued compliance.

Regular insurance reviews keep your protection current with your operations.

Making Insurance Work for Your Mission

We understand the financial pressures facing nonprofits in today’s environment.

Our team develops strategies to find policies that align with your budget while maintaining comprehensive protection.

Through careful policy analysis, we identify opportunities to reduce costs without sacrificing necessary coverage.

By bundling multiple policies together, we often secure better rates for our clients.

Contact Us to Protect Your Mission in Colorado

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right insurance can be and how it slows down your ability to carry out your mission. Let us help craft a policy that works for you.

Our happy customers

We’ve helped Nonprofits Just Like You

Our Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best rates for you

Contact Us Today for to Get a Non-Profit Insurance Quote in Colorado

We serve organizations throughout Colorado with dedicated, knowledgeable support that keeps you focused on serving our communities.

Once you’ve selected your organization’s preferred coverage, we handle all the paperwork to get your protection in place quickly.

The Allen Thomas Group is ready to become your trusted insurance partner, providing the protection your organization needs to serve our communities with confidence.