Community & Non-Profit

Non-Profit Insurance in Ontario

Mission-driven work still needs risk managed.

Non-profits run programs with volunteers, serve vulnerable populations, and are governed by boards whose members carry personal exposure for the organization's decisions — a risk profile every bit as real as a company's.

We insure non-profits with D&O for the board as a default, because recruiting directors without it gets harder every year.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Directors & officers liability for the board
Volunteer liability coverage
Abuse and molestation coverage where working with vulnerable people
Contents and stock coverage for inventory, furnishings, and supplies
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

Why does a small non-profit need D&O insurance?: Directors are personally exposed for governance decisions — employment disputes, regulatory issues, financial oversight. D&O protects the volunteers governing the mission; without it, capable board candidates increasingly decline to serve.
How much does non-profit insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get non-profit insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Directors & officers liability for the board

Volunteer liability coverage

Abuse and molestation coverage where working with vulnerable people

Contents and stock coverage for inventory, furnishings, and supplies

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

Why does a small non-profit need D&O insurance?

Directors are personally exposed for governance decisions — employment disputes, regulatory issues, financial oversight. D&O protects the volunteers governing the mission; without it, capable board candidates increasingly decline to serve.

How much does non-profit insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get non-profit insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.