Business Benefits Group (BBG) understands the needs of associations and nonprofits, and looks to help offer protective solutions. By providing nonprofit insurance policies such as general liability and errors and omissions (E&O) insurance, we want your association or nonprofit to be completely covered if any issues were to arise.
With these protections in place, BBG ensures quick response time and a specialized insurance plan for your protective needs.
Fill out our online form, let us know how many employees you have, and we will provide you with a consultation as soon as possible!
Get Started TodayDecreasing Your Nonprofit’s Liability
In order to protect your association or non-profit against any form of liability, BBG offers general liability insurance. This policy will protect against any bodily injury, property damage or reputational damage made against your association. If no liability insurance is put in place, associations and nonprofits are left vulnerable to harmful situations.
Nonprofit liability insurance provides a blanket of both protection and comfort for an association, decreasing risk within your association or non-profit. Make sure to protect your association or nonprofit and its members by acquiring general liability insurance.
Enhanced Protection with E&O Insurance
Associations and nonprofits deal with a widespread manner of work. Ranging from business leagues to local and state chambers of commerce, within this range there will be human error. BBG understands mistakes can happen, but we also believe we can help prevent the aftermath of those mistakes. In order to fight against errors made, BBG offers E&O insurance. This policy will protect your association and non-profit against any claims made against a form of inadequate work or negligence.
E&O insurance is highly recommended for any 501(c)(3) classified association. These insurance policies can help in covering legal fees and settlement costs. Protect yourself and your association members, eliminate the window for human error with E&O insurance.
Attracting Top Talent
A robust and attractive benefits package has the potential to entice talent. A well thought out and planned benefits package can help to retain talented employees that have joined your cause.
At BBG, we offer specialized benefits packages for members of associations. These benefits are different than those given to employees, and can help to generate non-dues revenue for the association.
Additionally, it is crucial to attract employees that are passionate about the organization’s mission and cause. This can be accomplished by promoting the organizational culture and explaining how the individual will be involved in nonprofit or association missions. To increase retention and foster growth, adding benefits such as working from home, exercise classes, or affordable meal options along with the salary will directly reward employees, positively reinforce their hard work, and strengthen their loyalty.
Keeping Staff Focused on Mission
Staff motivation and engagement can be a challenge that arises in a nonprofit organization or association. Each member of the team is there to strengthen, fuel, and promote missions. If there is a lack of productivity and unity, projects may be pushed back and funding may decrease. Some things to keep in mind to keep employees engaged and ready to work include; employee recognition, engaging workshops that promote company mission and working adaptively by welcoming change.
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Speak with Our Nonprofit Insurance Experts
Nonprofits and associations might have to work harder to attract and retain talented employees, but by providing benefits, appropriate compensation and working adaptively, they can be just as successful as major corporations.
Don’t leave any aspect of your association or nonprofit up to chance. Protect your members, your purpose, and your passion with BBG. Contact the nonprofit and association benefits experts today.
Nonprofit Insurance FAQs
What types of insurance do nonprofits typically need?
Most nonprofits require a combination of the following:
- General Liability Insurance
- Directors and Officers (D&O) Liability Insurance
- Professional Liability Insurance (also known as Errors & Omissions)
- Workers’ Compensation Insurance
- Property Insurance
- Cyber Liability Insurance
- Commercial Auto Insurance (if vehicles are used in operations)
- Special Event Insurance (for fundraisers and public events)
If you’re unsure what coverage your nonprofit needs, request a custom risk assessment from our team to build a plan that fits your organization.
Why do nonprofits need Directors and Officers (D&O) insurance?
D&O insurance protects your board members and leadership from personal financial exposure if they’re sued for decisions made on behalf of your nonprofit. It covers legal fees, defense costs, and settlements.
Without it, your leadership may be personally liable—something no nonprofit can afford. Let’s BBG safeguard your board with the right D&O policy today.
What is General Liability Insurance, and how does it protect a nonprofit?
General Liability Insurance helps cover costs if your nonprofit is responsible for injuries, property damage, or personal harm to third parties. For instance, if a guest slips and falls at your event, this policy can cover medical costs and legal fees.
Protect your nonprofit from unexpected liabilities—talk to BBG about setting up General Liability coverage that suits your events and venues.
Is Workers’ Compensation Insurance required for nonprofit organizations?
Yes, most states require Workers’ Compensation if your nonprofit has employees—even if only one or two. It covers medical expenses and lost wages if an employee is injured on the job.
Ensure you’re compliant and covered—reach out to BBG today for a quick Workers’ Comp eligibility check based on your location and employee count.
Does our nonprofit need insurance if we only have volunteers?
Absolutely. Volunteers can get injured or unintentionally cause damage during their work. Volunteer-related incidents can still lead to liability claims against your organization.
If volunteers are part of your mission, your insurance should reflect that. Let BBG help you structure a policy that includes volunteer protection at no extra hassle.
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