Non-Profit Insurance

You help improve the world around us.

You deserve a partner who understands

your business and coverage needs.

Non-profits succeed with Dedication, Heart, and Wisdom.

As a non-profit, you are offering support, care, and guidance to the larger community around you—but are you getting that in return from your insurance policy? Isn’t it time for your insurance company to set your non-profit up for long-term success?

Non-profits have unique operating procedures, tax laws, employee regulations, products and services. A general business insurance policy can’t protect your organization properly. Non-profit insurance policies are crucial to ensure that your business (and the services you provide) are equally protected against loss, damage, theft, and liability. 

Understanding the types of insurance that non-profits qualify for isn’t always cut and dry. Consider these facts:

  • More than two out of three non-profits across the U.S. fall into 503(c)(3) tax exemption status, which makes a difference in the type of insurance coverage you sign up for.
  • Employees of certain non-profit organizations may be excluded from unemployment insurance coverage (as was the case in 2012 data).
  • Non-profits are often over-insured on their property policy, making it easy for brokers to increase their bottom line at your expense.

For more than 50 years, non-profits have turned to DHW time and time again for their insurance policies. It’s not just because we offer Dedication, Heart, and Wisdom with every policy—it’s because we have a proven track record of success and expertise in the non-profit sector. Here are just a few ways that we support our clients:

Complete market coverage—Our non-profit insurance program covers the entire marketplace, leaving no stone unturned for your own personal best-coverage option.

Our cause is your cause—At DHW, every policy starts with understanding the core values, goals, and needs of our clients. We’ll work one-on-one with you to establish a relationship, hear your concerns, and make expertly tailored recommendations for your non-profit liability insurance. We’re just as driven and as passionate about non-profit insurance coverage as you are about your cause.

Hand-tailored policies—No two policies are created equal. Just as your non-profit business is uniquely structured to benefit your surrounding community, so should your non-profit insurance be structured. At DHW, we won’t try to make your coverage fit into a templated box—instead, we’ll custom-build a box for you. Hand-tailored non-profit liability insurance gives the confidence of knowing that your business and goals are wholly safeguarded against risk from one quarter to the next.

Mindful risk management—As a non-profit organization, you are making mountains move every day. And with each stone comes a different level of risk. Our non-profit insurance coverage takes a mindful approach to risk management to protect your people, your passion, and your services.

Trust our non-profit experts to craft your best insurance coverage.

When every day revolves around helping people do, be, and live better, there is little room for errors or lapses in coverage. DHW can help ensure that every aspect of your non-profit insurance prepares your business for success today, next month, and every year to come. 

Few insurance firms understand the unique needs of non-profit organizations like we do. We have decades of experience working hand in hand to help non-profits—just like yours—succeed in an increasingly competitive landscape. 

Here are a few of the most common non-profit insurance challenges that our clients rely on DHW to solve:

  • Risk tolerance, including:
    • Directors and officers (D&O)
    • Volunteer coverage
    • Workplace violence
    • Foreign
    • Fiduciary
    • Errors and omissions (E&O)
    • Travel accident
    • Employee dishonesty

Whether you are uniting people under one common cause, organizing charitable events, fundraising, managing an endowment, or supporting your community, your insurance coverage should be customized to fit your unique needs. With DHW, you have a true partner who understands the challenges of your business and will help you grow, succeed, and continue enriching the world around you. 

You already apply Dedication, Heart, and Wisdom every day as a non-profit. Why not partner with an insurance firm that will apply those same values to your insurance coverage?

We help protect your business so you can focus on what matters.

Providing insurance for non-profits and for-profit human service and healthcare organizations is one of the chief goals of our firm. Because of our focus on this specific market, we have developed unrivalled expertise in understanding the exact needs of a wide variety of charitable, human service, and healthcare organizations. Your business is all about helping others—and DHW is all about helping you.

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