Nonprofit Insurance: What is a Management Liability Policy?

Topics: Nonprofit

Summary: Nonprofit organizations face unique challenges as they work to support their missions. Learn more about the importance of nonprofit insurance coverage, specifically a management liability policy, and how it can help protect their organization.

Nonprofit organizations work hard to support their missions. Whether they are feeding the less fortunate, funding critical research or protecting our environment, nonprofits drive to support and improve their communities while helping those in need.



Nonprofits also face unique risks that can set them apart from other types of businesses. For example, they often work with vulnerable populations such as the elderly, young children or those with special needs. Additionally, even though their missions support worthy causes, nonprofits can still be prime targets for lawsuits for a variety of reasons. This means it’s imperative that nonprofit organizations have the right insurance coverage to protect their people, assets and missions.

What Kind of Insurance Does a Nonprofit Need?

nonprofit organization food donations

The right nonprofit insurance coverage helps protect the organization from a variety of losses. In the nonprofit world, one unexpected, large expense could even lead to the end of the organization. The types of insurance all nonprofits should consider include:
  • General Liability
  • Commercial Property
  • Professional Liability
  • Abuse and Molestation Liability
  • Automobile
  • Workers’ Compensation

Nonprofit Management Liability Insurance Coverage

  • Network Security and Privacy Liability (Cyber): Nonprofits can be at an increased risk for a cyber attack due to the fact that hackers often think these types of organizations have large coffers, and scammers use a variety of methods to obtain sensitive information. A network security and privacy liability policy, or cyber liability policy, covers a nonprofit for suits arising from their internet and electronic activities.

Nonprofit Insurance Coverage from AmTrust Financial

AmTrust Financial understands the unique risks nonprofits face, and our agents can address the specific challenges of nonprofits and government employers. We provide a variety of nonprofit insurance coverage tailored to the needs of nearly every type of nonprofit organization. To learn more, please download our sell sheet or contact us today at NPDO@amtrustgroup.com.

This material is for informational purposes only and is not legal or business advice. Neither AmTrust Financial Services, Inc. nor any of its subsidiaries or affiliates represents or warrants that the information contained herein is appropriate or suitable for any specific business or legal purpose. Readers seeking resolution of specific questions should consult their business and/or legal advisors. Coverages may vary by location. Contact your local RSM for more information.
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