Nonprofit Insurance in Texas

Kirk Insurance can help you find affordable, quality nonprofit insurance in Texas.
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Nonprofit Insurance in Texas

Also providing insurance to residents in Colorado, Kansas, New Mexico, and Oklahoma

What is nonprofit insurance?

Bad things can happen even when doing good. Although Texas nonprofits might be doing good work, they still can have equipment stolen, buildings burned down, lawsuits filed against them, and any other number of bad things happen. No insurance will stop something from happening, but nonprofit insurance might give organizations financial protection if something ever does.

Nonprofit insurance offers customizable protections for nonprofit organizations. Policies frequently come with both property and liability coverages, which can protect against a wide range of risks.

When do nonprofits in Texas need nonprofit liability insurance?

Nonprofit liability insurance is something that the majority of not-for-profits in Texas can benefit from. Organizations might be sued regardless of their size or purpose. 

In addition to liability insurance, many nonprofits would also be wise to have property insurance coverages for what they own. 

For example, the following organizations are some examples of nonprofits that would likely benefit from liability and property protections:

  • Churches, synagogues, mosques, temples, and other religious organizations
  • Preschools, after-school programs, camps, and other children’s programs
  • Theaters, museums, historic reenactment organizations, and other cultural centers
  • Social justice advocates, environmental advocates, and other advocacy groups
  • Land trusts, land management organizations, and other land conservation groups
  • Affordable housing programs, food pantries, and other charitable organizations
  • Animal shelters, animal rescue programs, and other animal-focused nonprofits

There are still many more organizations that should consider coverage. If an organization has 501(c)3 status, then this insurance would probably be useful.

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Nonprofit Insurance Texas

What liability coverages can nonprofit policies come with?

Nonprofit liability insurance coverages normally offer protection against lawsuits where a nonprofit organization is allegedly responsible for causing injury, property damage, or other harm. There are several of these coverages that policies may offer:

General Liability Coverage

Usually for common accidents, such as slip-and-falls, that result in third-party injury or property damage. Typically covers slander and libel as well.

Professional Liability Coverage

Usually for work-related errors if a nonprofit provides professional guidance or services, often covering errors made by employees or volunteers.

Directors & Officers Liability Coverage

Usually for lawsuits arising from leader’s decisions or actions, often covering lawsuits filed against board members and/or chairpersons.

Employment Practices Liability Coverage

Usually for discrimination claims that employees or volunteers might file. Typically covers other allegations of unlawful employment practices as well., 

Cyber Liability Coverage

Usually for online risks, possibly including data breaches, ransomware attacks, and hacking attempts.

Social Engineering Fraud Coverage

Usually for losses resulting from deceptive or fraudulent misrepresentations.

Special Events Coverage

Usually for specific events hosted by a nonprofit, often providing additional, short-term nonprofit liability insurance protections.

Umbrella Coverage

Usually a second layer of liability protection, in case a lawsuit exceeds the limit of another nonprofit liability insurance coverage.

What property coverages can nonprofit policies come with?

Nonprofit policies may offer a variety of property coverages, which can cover different assets that an organization might have. Some common property coverages are:

Commercial Building Coverage

Could insure buildings and other facilities that a nonprofit organization owns.

Tenants Betterment Coverage

Could insure improvements and upgrades made by a nonprofit to its rented space.

Commercial Contents Coverage

Could insure items kept at a nonprofit’s location, possibly including appliances, equipment, materials, computers, products, and more.

Inland Marine Coverage

Could insure items, frequently equipment, materials, and products, as they’re being transported between locations.

Commercial Auto Coverage

Could insure vehicles owned by a nonprofit, possibly providing liability coverage for accidents and also coverage for vehicle damage

Nonprofit Insurance Texas

Which liability and property coverages nonprofits need is situationally dependent. An insurance agent who specializes in helping nonprofit organizations will be able to make informed recommendations as to which coverages a nonprofit should get.

Where can nonprofits in Texas get nonprofit insurance?

For help insuring a nonprofit organization that’s in Texas, contact the independent insurance agents at Kirk Insurance Agency. We’ve helped many organizations, and we’ll make sure you find a nonprofit insurance solution that’ll protect your nonprofit well.

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