Kentucky Nonprofit Insurance

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

Kentucky nonprofits build stronger communities every day.

Your work changes lives, lifts spirits, and makes our state better.

At The Allen Thomas Group, we’ve protected charitable organizations for 20 years with one clear purpose: keeping your mission moving forward.

Our team brings state-specific non-profit insurance expertise that matches your dedication to service.

We know what not-for-profits need because we work exclusively with organizations like yours.

From small community groups to large charitable institutions, we build insurance programs that protect your work, your people, and your resources.

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What is the cost of insurance for Kentucky nonprofits?

Small not for profits typically pay $1,200 to $3,000 annually for basic coverage including general liability and property insurance.

A Partner You Can Trust

Why Kentucky Nonprofits Need Insurance?

Non-profits operate under specific state regulations that mandate certain programs.

The Kentucky Revised Statutes outline legal requirements for organizations serving public interests.

Without proper insurance in KY, your nonprofit risks:

Financial Protection

One lawsuit or accident could deplete your organization’s resources. The average slip-and-fall claim costs $20,000, while employment claims often exceed $50,000.

Legal Requirements

The Department of Insurance requires specific coverage based on:

Number of employees (Workers’ Compensation)
Ownership or rental of property
Transportation services
Professional services offered
Events and fundraising activities

Grant Compliance

Many grant makers require proof of insurance before funding. The Kentucky Nonprofit Network reports that 85% of foundation grants need liability coverage verification. Most government contracts demand specific limits.

Board Protection

State law holds board members personally liable for certain nonprofit actions. Without proper coverage, your board members risk their personal assets when serving your organization.

Volunteer Security

Local volunteer protection laws don’t cover all situations. Your organization needs insurance to attract and keep volunteers who drive vehicles, handle money, or work with vulnerable populations.

Property Safeguards

Local weather patterns create unique risks. In 2024, nonprofit organizations in the state filed over 200 property damage claims from severe storms alone.

Insurance helps replace damaged equipment and furniture, rebuild facilities, and maintain services after disasters.

Program Continuation

Non profit insurance helps your not-for-profit maintain services when problems arise.

With the right insurance, you can:

Pay staff during facility repairs
Replace damaged equipment
Continue operations from temporary locations
Meet obligations to beneficiaries

Let The Allen Thomas Group help secure your non-profit’s future and protect your mission with proper insurance.

Getting The Right Coverage

Insurance Types Every Kentucky Nonprofit Organization Should Consider

The Allen Thomas Group develops insurance programs to help you serve your community with dedication.

Kentucky General Liability Insurance

Your nonprofit faces unique risks every day. General liability provides comprehensive protection for your daily operations. This coverage responds to injuries that occur during community events, whether at your facility or off-site locations.

It handles property damage claims that might arise from your activities, protecting both your organization and the communities you serve.

Personal injury allegations, including reputational harm, fall under this coverage’s protection. It includes legal defense costs, which can protect your financial resources when facing litigation.

Commercial auto insurance

Nonprofits that own or use vehicles need specialized auto policy. Commercial auto insurance protects vehicles used for food delivery, client transportation, or staff travel. It covers both owned and borrowed vehicles.

Broad coverage includes personal liability protection for accidents, medical payments for injuries, and physical damage coverage for your vehicles.

Our policies meet minimum requirements while providing extra protection for drivers. It extends to rented vehicles and employee-owned cars used for nonprofit business.

Workers' Compensation Insurance

Many nonprofits have teams who deserve complete protection while serving the community. Workers compensation provides essential medical expense coverage for bodily injuries occurring on the job.

Lost wage benefits ensure your employees maintain financial stability during recovery periods. Rehabilitation costs receive coverage, supporting full recovery and return to work.

The Kentucky Labor Cabinet requires workers’ compensation for 501(c)(3) organizations with even one employee. Our programs fully comply with state regulations while providing additional benefits that support your team.

Commercial Property Insurance

Your Kentucky non-profit needs a home base to operate effectively.

Property insurance protects your physical location and its contents from unexpected events. This coverage extends to equipment and supplies that keep your nonprofit running smoothly.

Protection for donated items ensures that generous contributions remain safe in your care.

Property coverage accounts for specific regional risks like tornadoes and flash floods that 501(c)(3) organizations face. We understand the unique weather patterns in different parts of the state and adjust coverage accordingly.

Directors & Officers Insurance

Your board makes tough decisions that shape your organization’s future. D&O insurance protects board members from personal financial exposure when making management decisions on behalf of your nonprofit.

D&O responds to employment practices claims, which have become increasingly common in the nonprofit sector.

It addresses regulatory compliance issues that might arise from interactions with state or federal authorities. Protection extends to allegations regarding misuse of funds, which can threaten both your organization and board members’ personal assets.

Employment Practices Liability

Non-profits need protection from employment-related claims.

EPLI shields your organization from allegations of discrimination, wrongful termination, sexual harassment, and retaliation. The right coverage pays for legal defense costs and settlements.

The Kentucky Civil Rights Commission handles numerous workplace claims annually, making EPLI protection critical. EPLI covers claims from employees, volunteers, and job applicants and extends to remote workers and part-time staff. EPLI includes risk management tools to help prevent workplace issues.

Additional Coverages To investigate

Special Event Coverage and Risk Management

Special Event Coverage offers vital protection for your fundraisers and community initiatives. This temporary insurance fills any gaps in your regular coverage during special events and activities.

Cyber Liability Insurance

Modern 501(c)(3) organizations face digital risks daily. Cyber liability protects against data breaches, ransomware attacks, and privacy violations.

It includes costs for notification, credit monitoring, and legal defense.

The policy responds to theft of donor information, volunteer data, and client records. Protection extends to online fundraising platforms and digital payment systems.

Our cyber policies include incident response services and IT security resources.

Business Interruption Insurance

When disasters strike 501(c)(3) organizations, regular operations can come to a stop. Business interruption replaces lost income during recovery periods.

This type of Kentucky insurance for non profits pays ongoing expenses like payroll, rent, and utilities when your facility can’t operate.

Protection activates after covered events, such as fires, storms, or vandalism. It helps maintain services to your community during rebuilding.

Coverage includes extra expense protection to help your non-profit organization operate from temporary locations.

Our policies account for grant-funded program requirements and donor obligations.

Professional Liability Insurance

Your advice and services create positive change in local communities. They trust you.

Professional liability policy shields you against claims arising from your services.

It responds to counseling mistakes that might occur in mental health volunteer services.

Documentation errors, which can lead to serious problems in grant-funded programs, receive coverage. The protection extends to both paid staff and volunteers who provide professional services.

An Agency That Values Your Mission

Why Choose Us for Non Profit Insurance ?

Twenty years of serving non profits has built our deep understanding of sector-specific needs.

Our 24/7 support ensures you never face a crisis alone.

We maintain relationships with multiple carriers, allowing us to offer competitive rates and comprehensive coverage options.

Every client receives a free risk assessment to identify potential exposures and prevention strategies.

The Allen Thomas Group Difference

We understand the insurance needs of 501(c)(3) org because we work with them daily.

Take advantage of our deep knowledge of nonprofit regulations at both state and local levels.

As Kentucky independent insurance brokers, our agents stay current with changes in requirements and ensure your coverage remains compliant to protect your organization.

Our tailored solutions match coverage to your specific needs rather than offering generic packages from insurance companies.

We analyze your long-term activities, location, and risk factors to create custom protection plans.

Our budget-conscious approach respects nonprofit resources while maintaining comprehensive protection with different types of coverage for potential risks.

When you need help, our team provides immediate assistance rather than leaving you waiting.

Contact Us to Protect Your Mission in Kentucky

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right 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

Contact Us for A Custom Non-Profit Insurance Quote

Your nonprofit’s mission matters and cannot be left unprotected. The Allen Thomas Group offers free coverage reviews to identify gaps in your current protection.

It is essential for you to include a comprehensive insurance clause in the lease agreement to protect against potential liabilities and ensure protection for both the landlord and tenant.

Our nonprofit-focused solutions consider your organization’s unique needs and identify risks before their occurrence.

We build protection plans that support your mission rather than restricting it.

The Allen Thomas Group provides value-added services by offering personalized risk assessments and tailored solutions that empower you to effectively manage unique challenges.

With us, you’ve the best insurance partner who takes care of your specific needs in Lexington or elsewhere in the state.

Call (440) 826-3676 now to contact us for a free quote.