North Carolina Nonprofit Insurance

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

Your organization needs insurance as a protection against potential risks to your 501(c)(3).

Our licensed North Carolina independent insurance agency serves organizations that make our communities better.

The Allen Thomas Group brings 20 years of experience protecting NC nonprofits with custom insurance solutions.

We match your organization with coverage that fits your mission, budget, and specific risks and help with risk management too.

Get your free insurance quote now.

What is the cost of insurance for a North Carolina nonprofit?

On average, general liability insurance costs about $44 to $531 per year, while a business owner’s policy (BOP) averages around $84 per month or $1,003 annually.

Additional coverages like workers’ compensation insurance may cost approximately $80 per month or $980 per year depending on the organization’s size and risk factors.

A Partner You Can Trust

Protection That Matches Your Nonprofit Organization Mission

NC nonprofit organizations face distinct challenges that standard business insurance doesn’t address. Your 501(c)(3) needs coverage built for volunteer programs, board governance, special events, and community service activities.

Our insurance specialists work with North Carolina nonprofits every day, from small local charities to major foundations to protect your organization. When you work with The Allen Thomas Group, you get real answers about the protection your non profit needs.

The foundation of non profit protection starts with general liability, but your organization needs more. We build complete insurance coverage to protect your board members, staff and volunteers, and facilities and equipment.

Our team analyzes your specific needs and builds protection that works for your budget.

Each nonprofit has unique risks – your food bank has different insurance needs than a youth mentoring program or animal rescue. We understand these differences and create coverage packages that fit. You can even benefit from an umbrella insurance policy.

Getting The Right Coverage

Types of Insurance Options for Nonprofits in North Carolina

The Allen Thomas Group matches coverage limits to your non profit’s size and activities.

Here are the common types of social service insurance programs we provide for North Carolina-based nonprofits that vary widely by the type of non profit and needs of our clients.

The policies listed here offer an idea of the types of coverage you may consider for your volunteering services.

General Liability Insurance in North Carolina

General liability insurance for nonprofits protects your social service organization from third-party claims of bodily injury, property damage, and personal injury.

Commercial general liability coverage for nonprofits in North Carolina handles medical costs if someone gets hurt at your location or during your events. It pays legal fees if your non-profit faces a lawsuit over accidents or injuries. General liability shields your organization when volunteers or staff cause damage while serving your mission.

It helps North Carolina nonprofits meet lease requirements, grant conditions, and contract obligations.

Commercial auto insurance

Commercial auto insurance coverage for nonprofits covers vehicles used for 501(c)(3) activities in North Carolina. Auto policy protects cars, vans, and trucks owned by your organization. You may get additional protection for other vehicles, including non-owned and hired ones.

It extends to employees and volunteers using personal vehicles for nonprofit work. The policy pays for accident damage, injuries, and legal claims from vehicle incidents. Your policy includes collision, comprehensive, and liability protection.

Workers' Compensation Insurance

Workers’ comp provides 501(c)(3) protection for employees who suffer job-related injuries or illness. This state-required insurance provides coverage for medical expenses and lost wages for injured staff members. It provides nonprofit protection from lawsuits over workplace accidents and health issues.

Workers’ comp covers injuries during events, office work, and off-site activities. Your 501(c)(3) needs this protection even with a small staff.

Commercial Property Insurance

Every nonprofit is unique. It’s an important insurance program we provide to nonprofits throughout the state. Property insurance protects nonprofit buildings, contents, and equipment from damage or loss. This coverage responds to fire, storms, theft, and vandalism at your locations.

The policy covers your office building, computers, furniture, program materials, and stored donations. It covers building upgrades and temporary relocation costs. Your nonprofit gets protection for signs, fencing, and outdoor equipment.

We help not-for-profit organizations track asset values and maintain proper coverage levels. Your property insurance portfolio includes special protection for unique items and donated goods.

Directors & Officers Liability Insurance

D&O insurance plans for liability protection safeguards board members’ personal assets from claims related to their non profit leadership decisions.

You need insurance coverage to rescue your board from allegations of mismanagement, discrimination, or improper board conduct. North Carolina board members need protection when making choices about programs, hiring, finances, or organizational changes.

D&O insurance covers legal defense costs and settlements from claims against board members and officers. It extends to committee members and advisory boards. Your non-profit needs D&O policy to attract and retain qualified board members who make tough decisions.

Employment Practices Liability Insurance

EPLI protects 501(c)(3) organizations from employment-related claims and lawsuits. It handles claims for sexual abuse, discrimination, harassment, wrongful termination, and unfair practices. It pays legal costs to defend your nonprofit against employee complaints.

Liability coverage protects full-time staff, part-time workers, and volunteers. Your nonprofit gets help creating personnel policies and employment procedures. We match coverage to your staff size and employment risks. Your EPLI policy includes access to HR resources and legal guidance.

Additional Coverages To investigate

Special Event Coverage That Won't Break Your Budget

Planning a fundraiser? Hosting a community program? Special event insurance protects your nonprofit from risks at one-time or recurring events.

Whether you are running one not-for-profit or hosting thousands of events each year, from small volunteer gatherings to major fundraising galas, you get the coverage for annual galas and donor appreciation dinners that bring your supporters together.

Community outreach programs and educational workshops need protection too.

When your nonprofit runs athletic events or tournaments or provide home to a vast number of needy, ranging from children’s homes and rehabilitative groups, we make sure you have the right coverage for the vast number of social service activities you do and the people you serve.

Food service activities at events get specific attention – we know the risks and how to protect against them.

Cyber Liability Insurance

Cyber liability insurance protects NC nonprofits from data breaches and digital threats. This insurance coverage for nonprofit handles costs when donor information, client records, or financial data gets compromised.

It pays for breach notification, credit monitoring, and legal defense against privacy claims.

The policy covers ransomware attacks, phishing scams, and system outages. Your nonprofit gets support for data recovery and network restoration.

Business Interruption Insurance

Business interruption insurance policy protects non-profits in more ways than one. It helps you maintain operations after property damage or disasters.

It replaces lost income when your organization can’t provide normal services. It pays ongoing expenses like payroll and utilities during repairs.

The policy covers costs to operate from temporary locations. Your nonprofit maintains critical programs during recovery periods.

Your policy includes extra expense coverage for unexpected recovery costs.

Professional Liability Insurance

This insurance provides liability protection for non profits offering guidance and support services. It includes coverage for claims of improper advice or emotional and psychological harm.

It covers licensed professionals and qualified staff providing counseling.

The policy includes privacy protection for client information. Your nonprofit gets coverage for both in-person and virtual counseling.

We match protection levels to your counseling programs. This is an important coverage you may consider carrying to protect your 501(c)(3) from legal defense costs in the event someone files a lawsuit.

An Agency That Values Your Mission

Why Choose The Allen Thomas Group for Insurance Coverage for Nonprofit?

Your nonprofit budget matters – we find insurance solutions that fit your finances.

The Allen Thomas Group works with multiple insurance carriers to get competitive rates.

We review coverage costs annually to find savings opportunities. Multi-policy discounts help stretch your insurance dollars further.

Our insurance group understands the need to explain terms and conditions and costs clearly so you can make informed decisions.

Grant Compliance and Insurance Documentation

Many grants require specific insurance and documentation. The Allen Thomas Group helps non-profits meet funder requirements.

North Carolina grantmakers trust our certificates of insurance and coverage verification.

Our independent insurance agents provide quick documentation for time-sensitive grant applications.

Your nonprofit gets help tracking insurance requirements for multiple funding sources.

Our team responds fast when grant officers need insurance information.

We provide insurance to cover the activities of a number of social service organizations.

Claims Support When You Need It Most

When your nonprofit faces an insurance claim, you need fast, professional response.

The Allen Thomas Group handles nonprofit claims with care and urgency.

As your insurance partners, our team guides you through documentation, interviews, and settlement negotiations in concert with your insurance carrier.

North Carolina nonprofits stay focused on their mission while we manage insurance matters.

We advocate for fair claim settlements that protect your organization’s interests.

Your nonprofit gets 24/7 claim reporting and regular status updates.

Contact Us to Protect Your Mission in North Carolina

Yes, It's Really That Easy

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