Indiana Nonprofit Insurance

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Get Tailored Nonprofit Insurance To Protect Your 501(c)(3) Organization in Indiana From The Allen Thomas Group Insurance Agency

As a leading insurance provider for Indiana nonprofits, The Allen Thomas Group tailors coverage for each organization’s unique needs.

For 20 years, we’ve helped nonprofits throughout Indiana protect their missions, staff, volunteers, and assets with personalized insurance solutions.

Our team specializes in understanding the complex insurance needs of every nonprofit and faith-based organization, educational institution, social service provider, arts group, and community foundation.

We work with leading insurance carriers to bring the best insurance solutions for not-for-profits.

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What is the cost of insurance for Indiana nonprofit?

The cost of insurance for nonprofits in Indiana varies based on the type of coverage and specific organizational needs. On average, general liability costs around $44 per month, while other policies like workers’ compensation and directors and officers insurance can range from $63 to $85 per month depending on the coverage.

A Partner You Can Trust

Understanding Indiana Nonprofit Insurance Requirements

Indiana state law sets specific insurance requirements for nonprofits based on their activities and size. Organizations with employees must carry workers’ compensation insurance.

Those receiving state grants often need specific liability limits.

Property lease agreements typically mandate certain coverage types. The Allen Thomas Group helps nonprofits meet these requirements while protecting against additional risks that standard policies might miss.

State regulations change periodically, affecting nonprofit insurance obligations. Recent updates have expanded cyber security requirements and modified employment practices standards.

Our licensed Indiana independent insurance agency track these changes and updates client coverage proactively. This prevents compliance gaps that could threaten your nonprofit status or funding.

Getting The Right Coverage

Core Insurance Policies for Indiana Nonprofits

The Allen Thomas Group provides comprehensive insurance solutions for Indiana nonprofits, backed by 20 years of specialized experience.

We help nonprofits protect their missions, assets, and people.

General Liability Insurance in Indiana

General liability insurance protects your nonprofit against common risks like slip-and-fall incidents, bodily injury or property damage claims.

When a visitor injures themselves at your facility or a volunteer accidentally damages someone’s property during an event, liability insurance is essential to protect you and pay for medical bills, repairs, and legal expenses.

Without proper liability insurance for nonprofits, one incident could drain your organization’s resources and jeopardize your programs.

Commercial auto insurance

Commercial auto insurance safeguards Indiana 501(c)(3) organizations whenever vehicles are used for organization activities.

This right insurance coverage protects against accidents, injuries, and vehicle damage whether using owned vehicles, rented cars, or personal vehicles driven for nonprofit business.

The policy goes beyond personal auto insurance to cover staff and volunteers driving for your organization, including liability protection, collision coverage, and medical payments.

Essential features include hired and non-owned auto coverage for occasional vehicle use and protection when employees use personal cars for nonprofit work.

The Allen Thomas Group helps Indiana nonprofits evaluate their vehicle exposures and build appropriate commercial auto coverage that protects their organization, drivers, and clients.

Workers' Compensation Insurance

Workers’ compensation insurance provides essential protection for Indiana nonprofits and their employees. This state-mandated coverage pays medical expenses, lost wages, and rehabilitation costs when employees suffer work-related injuries or illnesses.

Indiana law requires nonprofits with employees to carry workers’ compensation insurance, regardless of their size or mission.

The coverage shields thousands of nonprofits from lawsuits over workplace injuries while ensuring injured staff receive proper care and support during recovery.

Volunteers typically fall outside workers’ compensation coverage, but separate volunteer accident policies can provide similar protection for your unpaid workforce.

Commercial Property Insurance

Commercial property insurance safeguards your physical assets in the event of a loss from theft, disasters, and vandalism. Whether you own or rent space, your equipment, supplies, and facilities require protection.

A single fire or severe storm could devastate an uninsured nonprofit. We analyze your property values, helping you select coverage that matches actual replacement costs.

Many nonprofits discover they’ve undervalued their assets only after a loss – we prevent this through detailed property assessments.

Directors & Officers Insurance

Directors and Officers insurance shields your board members and leaders from personal financial risk. Board members face lawsuits over decisions made while serving your organization.

Recent cases in Indiana have targeted board members over financial management, discrimination claims, and resource allocation choices. Strong D&O insurance helps you attract and keep qualified board members by removing the threat to their personal assets.

Employment Practices Liability

Employment practices liability insurance (EPLI) protects Indiana nonprofits dedicated to their mission from claims involving workplace discrimination, harassment, wrongful termination, and other employment-related issues.

This coverage pays legal defense costs and settlements when current, former, or prospective employees file lawsuits.

EPLI coverage becomes increasingly important as employment laws change and litigation rises. Even well-run nonprofits face employment claims.

This protection proves particularly valuable for nonprofits with paid staff, regular volunteers, and active hiring programs.

Additional Coverages To investigate

Seasonal Risks and Special Event Coverage for Nonprofit Organizations

Indiana’s weather creates year-round insurance challenges for nonprofits. Winter brings snow and ice, increasing slip-and-fall risks at facilities. Spring storms threaten property damage and event cancellations.

Summer heat affects outdoor programs and participant safety. Fall fundraisers face weather uncertainty. We build coverage that responds to seasonal exposures.

Special event insurance can help protect fundraisers, galas, and community programs.

Coverage includes liquor liability for events serving alcohol, food contamination protection for dinners and festivals, and cancellation coverage for weather disruptions.

Volunteer injuries, property damage, and participant accidents fall under specific event policies.

Cyber Liability Insurance

Cyber liability provides essential protection for Indiana nonprofits against data breaches, ransomware attacks, and other digital threats.

Finding the right coverage helps pay for breach notification costs required by Indiana law, data recovery expenses, legal fees, and regulatory fines when cyber incidents occur.

The policy includes first-party coverage for your direct costs (like system restoration and business interruption) and third-party coverage for lawsuits from affected donors, clients, or employees whose data was compromised.

As nonprofits increasingly store sensitive financial information, client records, and donor data digitally, cyber liability insurance becomes a critical part of their risk management strategy.

The Allen Thomas Group helps nonprofits assess their cyber risks and select appropriate coverage levels that protect their organization and stakeholders.

Business Interruption Insurance

Business interruption insurance helps Indiana nonprofits maintain financial stability when disasters force temporary closures.

This coverage replaces lost income and pays ongoing expenses when fire, storm damage, or other covered events disrupt operations.

Business interruption insurance for nonprofits can help pay staff salaries, rent, utilities, and other fixed costs until your nonprofit resumes normal activities.

For organizations relying on regular program income or facility rentals, this protection prevents financial hardship during repairs.

Many Indiana nonprofits add this coverage to their property insurance policies to ensure continuous operation after setbacks.

Professional Liability Insurance

Professional liability protection responds when someone claims your services caused harm.

Counseling nonprofits, educational organizations, and social service providers need this coverage to defend against claims of inadequate or improper service.

As more nonprofits offer virtual programs, new liability exposures emerge. We help you identify and cover these evolving risks.

An Agency That Values Your Mission

Different Nonprofits Need Specialized Business Insurance Solutions

Religious Organizations: Churches and religious nonprofits need specific liability and property insurance coverage for buildings, religious artifacts, and pastoral counseling services. Sexual misconduct liability protection proves essential. This type of nonprofits need insurance for weddings, festivals and holiday services.

Educational Nonprofits: Schools, tutoring programs and educational foundations face unique risks. Student safety, employment practices, and professional liability demand comprehensive coverage. Athletic programs and field trips create additional exposure needing specialized nonprofit insurance coverage.

Social Service Organizations: Programs serving vulnerable populations need abuse and molestation coverage, professional liability for counseling, and protection for in-home services. Transportation of clients requires specific auto liability considerations.

Arts and Cultural Organizations: Museums, theaters and cultural groups need coverage for valuable collections, performance venues, and public events. Specialized insurance is essential for borrowed or touring exhibits.

The Allen Thomas Group Advantage

In Depth Knowledge: We understand Indiana’s nonprofit sector, regulations, and regional risks. This helps us find better nonprofit insurance policies than national insurance agencies offer.

Carrier Relationships: Strong relationships with nonprofit-focused insurers give us access to specialized coverage forms and competitive rates. When claims occur, these relationships speed resolution.

Personal Service: Every client gets direct access to experienced agents who know their organization. No call centers or automated systems – real people who understand your needs.

Risk Management and Prevention

Smart risk management reduces claims and controls commercial insurance costs. The Allen Thomas Group provides:

Background Check Programs: We help establish screening procedures for employees and volunteers who work with vulnerable populations. Proper screening prevents incidents and strengthens liability defenses.

Safety Training Systems: Regular safety training reduces injuries and property damage. We provide resources for volunteer training, facility maintenance, and emergency response procedures.

Document Management: Good recordkeeping protects your nonprofit during claims. We help create systems for incident reports, maintenance logs, and participant waivers.

Cyber Security Protocols: Data protection becomes more critical yearly. We guide nonprofits in establishing security measures that prevent breaches and satisfy insurance requirements.

Claims Management Process

When incidents occur, our dedicated claims team steps in. We handle:

Initial Response: Immediate guidance on documentation, emergency measures, and required notifications. We help prevent claim denials through proper initial handling.

Investigation Support: Our team works with adjusters and investigators, protecting your interests throughout the process. We ensure fair evaluation of all claims.

Settlement Negotiations: Years of nonprofit claims experience helps us secure fair settlements. We understand how claims affect future coverage and work to minimize long-term impact.

Recovery Planning: After claims, we help implement changes that prevent similar incidents. This proactive approach often leads to premium savings.

Contact Us to Protect Your Mission in Indiana

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right nonprofit insurance can be and how it slows down your ability to carry out your mission. Let us help craft a policy that works for you.

Our happy customers

We’ve helped Nonprofits Just Like You

Our Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best rates for you

Get a Nonprofit Insurance Quote To Protect Your Mission

Nonprofit organizations face unique challenges and need non-financial and financial protection to be able to stay afloat and have peace of mind to continue with their mission.

Your nonprofit is unique too. In fact, your nonprofit teams deserve the best protection and insurance guidance from licensed insurance brokers who can provide you right nonprofit insurance coverage options to safeguard your mission.

The Allen Thomas Group is an independent insurance agency with decades of experience in the insurance industry. Contact us today to learn about various customized insurance solutions for you.

Getting coverage through a licensed insurance agency gives you the advantage of accessing different types of insurance options tailored to your specific needs, along with unbiased advice from experienced agents who prioritize your interests over those of any single insurer.

This flexibility allows you to compare policies from multiple carriers, ensuring you receive comprehensive liability coverage at competitive rates while benefiting from personalized service and ongoing support throughout the life of your policy.

Let us show you why you should choose The Allen Thomas Group for insurance for nonprofit.

Call us at (440) 826-3676 for customized insurance solutions at fair and equitable pricing. Get a nonprofit insurance quote now to protect your mission!