Michigan Nonprofit Insurance

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

The Allen Thomas Group brings 20 years of insurance experience to Michigan’s non-profit community. We work with nonprofit organizations across the state to provide specialized insurance solutions to protect their missions, assets, and people.

Our licensed Michigan independent insurance agency status lets us match nonprofits with the right coverage at fair rates, working as your advocate to find protection that fits your specific needs and budget.

Michigan nonprofits tell us they need an insurance partner who understands their unique challenges.

That’s why we focus on non-profit insurance solutions. From small community groups to large charitable organizations, we help Michigan nonprofits find the right mix of coverage to protect your business from unique risks.

Get a free insurance quote to insure your non profit.

How Much Does Nonprofit Insurance Cost in Michigan?

Small nonprofits often pay $1,000 to $3,000 annually for basic coverage in Michigan. Larger organizations or those with special risks might pay more.

A Partner You Can Trust

Michigan Nonprofit Insurance That Works for You

Standard commercial insurance policies often miss key risks that nonprofits face.

Your organization needs specialized business insurance coverage designed for volunteer activities, board decisions, and community programs.

As an independent insurance agency, The Allen Thomas Group takes time to understand your nonprofit’s specific operations and help protect your interests with the right liability and property insurance.

Nonprofits face unique challenges that demand tailored insurance solutions. Your organization needs protection for volunteer programs, special events, grant compliance, and board member decisions.

We look at each aspect of your operations to spot potential risks and coverage gaps. This detailed approach helps prevent surprises when you need your non-profit insurance most.

Our team stays current with nonprofit regulations and requirements.

We know which coverages you need to meet state rules, grant requirements, and contract demands. This local knowledge helps us find out how much protection you need for your nonprofit operations.

Getting The Right Coverage

Core Insurance Coverage for Michigan Nonprofit Organizations

Every nonprofit needs foundational insurance protection. Let’s look at each key type of protection Michigan nonprofits need.

General Liability Insurance in Michigan

General liability forms the foundation of nonprofit protection and responds when someone claims your organization caused them harm. Claims might stem from injuries at your location, property damage to others’ property, or bodily injury issues like defamation.

Michigan nonprofits use general liability coverage to protect against common risks. If a visitor trips at your office, general liability covers their medical bills. If your volunteer damages someone’s property during a service project, general liability responds and also pays legal defense costs if someone sues your organization.

Commercial auto insurance

Business auto insurance protects vehicles used for your organization’s work. This coverage pays for accidents, damage, and liability claims involving your business vehicles.

The policy covers cars, vans, and trucks your organization owns or uses. It pays for repairs after crashes, covers medical bills if someone gets hurt, and handles legal costs from auto accidents.

Commercial auto policies protect your non-profits from vehicle-related risks that personal auto insurance won’t cover.

Workers' Compensation Insurance

Workers’ compensation insurance protects employees who get hurt or sick from their job. In Michigan, most organizations with three or more workers must carry workers comp.

The insurance pays medical bills, lost wages, and rehabilitation costs for work-related injuries. If an employee hurts their back lifting boxes or slips on a wet floor, workers’ comp covers their care and recovery time.

Employee benefits continue until the worker recovers or reaches maximum medical improvement.

Workers’ compensation also protects organizations from lawsuits by injured employees.

Commercial Property Insurance

Your nonprofit’s physical assets support your mission. Property coverage protects your buildings, equipment, supplies, and other items from damage or loss.

Commercial property insurance can help your organization recover after fires, storms, theft, or other problems that damage your property.

Michigan weather creates special challenges for nonprofits. Your property insurance needs to address risks from winter storms, spring floods, and summer severe weather.

We help nonprofits choose coverage that matches their local risk factors and property values.

Directors & Officers Insurance

Your board members take personal risks to serve your mission. D&O insurance protects their personal assets from claims related to board decisions.

Officers insurance responds to suits claiming mismanagement, employment issues, or improper use of funds.

Michigan nonprofit boards make tough choices about programs, resources, and policies. D&O insurance protects board members when others challenge those decisions and pays legal costs to defend board members and any settlements or judgments against them.

A nonprofit faced a D&O claim when a major donor alleged misuse of restricted funds. The D&O policy paid for legal defense and helped resolve the dispute. Without this protection, board members might have faced personal liability for their decisions about fund allocation.

Employment Practices Liability

Michigan nonprofits face employment-related risks that standard insurance doesn’t cover.

Employment Practices Liability Insurance (EPLI) protects against claims of discrimination, harassment, wrongful termination, and retaliation.

The Michigan Department of Civil Rights processes hundreds of workplace claims yearly, making EPLI vital for nonprofits. The coverage pays legal costs and settlements while providing tools to prevent workplace issues.

Additional Coverages To investigate

Special Non-Profit Insurance Options

Different nonprofits face different risks. A food bank needs different protection than a youth mentoring program. Let’s examine specialized options that might fit your organization’s needs.

Cyber Liability Insurance

Modern non-profits handle sensitive data about donors, clients, and operations.

Cyber liability insurance protects against data breaches, ransomware attacks, and other digital risks. Cyber policy helps meet Michigan’s legal requirements for data protection and breach notification.

Michigan law requires nonprofits to notify affected parties after data breaches. Cyber insurance helps pay these notification costs plus legal expenses and recovery services. It can also help restore systems and data after attacks.

The Allen Thomas Group provides liability insurance for cyber risks.

Business Interruption Insurance

Business income insurance protects your small business revenue when operations stop due to covered damage or disaster. It pays for lost income and ongoing expenses during repairs.

If a fire damages your building, this type of organization insurance helps pay rent, salaries, and bills while you rebuild. The coverage starts when the incident happens and continues until normal operations resume.

Most policies cover insurers from losses from fire, wind, theft, and other common risks. Some add protection for utility failures or dependent properties.

Business income insurance helps organizations survive shutdowns without draining savings or taking on debt.

Volunteer Insurance

Non-profits rely on volunteers to carry out their missions. Volunteer insurance protects these vital team members while they serve your organization.

The coverage can pay medical bills if volunteers get hurt, cover auto accidents in personal vehicles during volunteer work, and protect against liability claims.

Michigan sees over 1.9 million volunteers serve annually. Your volunteer insurance should match your program’s size and activities.

We help nonprofits analyze their volunteer risks and choose appropriate protection levels. This coverage lets you recruit and retain volunteers by showing you value their safety.

Special Event Insurance

Michigan nonprofits host fundraisers, programs, and community events.

Special event insurance protects against problems that can happen during these activities. The coverage can address venue damage, participant injuries, weather cancellations, and food-related claims.

Your events need protection that considers specific risks.

Outdoor summer fundraisers face weather risks. Indoor winter galas need slip-and-fall protection.

Food service events need coverage for food-related claims. We match your event insurance to your actual activities.

An Agency That Values Your Mission

Why Michigan Nonprofits Choose The Allen Thomas Group?

Our Michigan focus sets us apart from general insurance agencies. We work exclusively with non-profits across the state, from Detroit to Grand Rapids and Lansing to Traverse City.

This specialization gives us deep knowledge of the challenges not-for-profits face and key factors causing damage to your organization

Our team brings local market expertise to every client relationship. We understand Michigan’s nonprofit regulations, compliance requirements, and risk patterns. This knowledge helps us spot potential problems before they affect your organization.

Many nonprofits face unique challenges tied to our state’s economy, weather, and social patterns. We track these factors to help clients prepare for changing risks.

Our connections with nonprofit networks keep us informed about emerging issues that might affect your coverage needs.

We Work as Your Advocate

Independent agency status lets us shop multiple insurance carriers for your coverage. We compare options, identify gaps, and explain choices in clear terms.

This approach helps you make informed decisions about protecting your organization.

Our advocacy goes beyond finding policies. We help with risk management, claims support, and coverage reviews. When you face a problem, we step in to help resolve it.

We Make Insurance Simple

Whether you host events or volunteer for various community works, you need to get liability insurance for nonprofits.

Nonprofit insurance shouldn’t be complicated. We break down complex coverage options into clear choices. Our team explains what you need, why you need it, and how it protects your mission.

Quick quotes, easy documentation, and fast claims help make insurance manageable.

We handle paperwork and carrier communication so you can focus on your mission. Our clients appreciate this straightforward approach to nonprofit protection.

Our Commitment to Michigan Non profits

Insurance protection must grow with your organization. The Allen Thomas Group commits to putting your mission first in every coverage decision. Coverage through a licensed insurance broker gives you the guarantee of protection that your mission deserves.

We search multiple carriers to design insurance tailored to your specific needs and budgetary constraints and help save you on your insurance. When you need help, we respond fast with practical solutions.

As your organization changes, we keep your protection current. Regular reviews help spot new risks and coverage needs. We track nonprofit regulations and requirements that might affect your protection needs.

Our team works as your dedicated insurance partner. We bring 20 years of insurance experience to every client relationship. Our deep knowledge of Michigan regulations helps navigate state requirements. Strong relationships with insurance carriers give us more options for your coverage.

Claims support matters when problems happen. We provide dedicated help through the claims process. Our team knows how to document losses and work with adjusters. We stay involved until your claim resolves and your organization recovers.

We check your insurance regularly to spot any gaps and ensure it still fits your needs. As your non-profit organization grows or changes, we adjust your protection to match. This ongoing service helps maintain proper coverage levels.

Get Commercial Insurance Quote To Protect Your Organization

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.

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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 A for Non-Profit Insurance Quote

Your nonprofit’s mission demands solid protection. Let’s create an insurance plan that matches your organization’s specific needs.

Our process starts with understanding your nonprofit’s work in Michigan. We examine your programs, assess your risks, and build protection that fits your operations.

We take time to learn about your organization and explain how different options protect your work.

Our goal is to help you solve any insurance questions so you can make informed choices about your protection.

Request a quote online to find the best protection for your unique needs! Or you can give us a call at (440) 826-3676 to see how much we can save you on coverage with fair and equitable pricing.