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Access Tailored Insurance for Nonprofits To Protect Your Business in Montana From The Allen Thomas Group Insurance Agency

At The Allen Thomas Group, we safeguard nonprofits with insurance built for organizations like yours.
With 20+ years of insurance experience, we understand the challenges your organization faces.
From food banks in Billings to youth programs in Bozeman, animal sanctuaries in Missoula to community centers in Great Falls, we help nonprofits focus on their missions while we manage the risks.
The Montana Department of Insurance data shows that 72% of nonprofits lack proper coverage for their specific needs.
We solve this problem by creating custom insurance packages that shield your board, staff, and assets.
Our team works exclusively with nonprofits, giving us unique insight into your organization’s risks and requirements.
Get your free insurance quote today and learn how proper coverage protects everything you’ve built.
What is the cost of insurance for nonprofits in Montana?
The minimum annual premium for Commercial General Liability insurance for a Montana Nonprofits starts at approximately $600, while Nonprofit Executive Liability Insurance can begin around $400 for members of the Montana Nonprofit Association.
Table of Contents
Understanding Non-Profit Insurance in Montana
The Department of Insurance requires specific coverage types for nonprofits operating in our state. Your non-profit needs protection that matches your organization’s work, whether you run a food bank in Helena or manage a wildlife sanctuary near Glacier National Park.
The Nonprofit Association plays a crucial role in advocating for the influential sector of nonprofits, ensuring that state-based insurance options are accessible and affordable, while also providing guidance on lease agreements for nonprofit facilities.
Non-profit organizations can benefit significantly from applicable insurance solutions tailored to their unique needs. The applicant must submit a completed application form to obtain insurance coverage.
What Nonprofits Need to Know
The Montana Secretary of State mandates specific insurance requirements for registered nonprofits. Your organization must carry workers’ compensation insurance if you have employees.
Montana’s unique geography and weather patterns create specific risks for property damage that other states might not face. Your board members hold personal liability for organizational decisions without proper coverage.
Local fundraising events, common among nonprofits, need event coverage to shield against accidents or injuries.
Insurance Options for Non Profits
Many nonprofit organizations rely on federal grants to fund their programs, making it essential for them to secure adequate insurance to safeguard these investments.
Conducting a thorough risk assessment is crucial for not-for-profits to identify potential liabilities and determine the appropriate types of insurance needed to safeguard their operations.
Once approved, insurance policies will distribute coverage benefits to safeguard the organization from potential risks.
Not-for-profits can qualify for insurance programs that cater specifically to their operational needs. The level of coverage you can secure may depend on various factors, including its size, budget, and the specific risks associated with your operations.
General liability insurance forms the foundation of your nonprofit’s protection plan.
When visitors come to your location, this coverage shields you if someone slips on ice during our harsh winters or trips on a step during a summer fundraiser.
If your non-profit accidentally damages someone’s property during a community event, this policy covers the repairs. A claim may be filed targeting your organization for tarnishing their reputation.
In that case, your general liability policy provides legal defense funds. The Montana Insurance Commissioner recommends minimum coverage levels based on your non-profit’s size and activities.
The Insurance Commissioner sets strict requirements for not-for-profit vehicle coverage. Commercial auto shields your organization’s vehicles and personal vehicles used for not-for-profit work.
This policy covers staff driving for your mission across the diverse terrain. From food delivery trucks in Billings to passenger vans in Missoula, your policy covers accidents, damage, and liability claims.
Coverage includes medical payments for injuries, repairs after collisions, and protection against uninsured drivers. The Department of Insurance mandates higher coverage limits for vehicles transporting clients or program participants.
The Workers’ Compensation Board mandates coverage for non-profits with employees. This insurance forms a critical part of your risk management strategy.
Workers’ comp provides medical care, disability benefits, and wage replacement for injured employees. The policy shields your non-profit from potential lawsuits while ensuring your team receives proper care after workplace accidents.
Local weather demands robust property protection. Property insurance serves as your nonprofit’s shield against physical losses. This coverage goes beyond basic building protection to safeguard your mission-critical assets.
From your office equipment in Great Falls to stored supplies in Billings, property insurance covers your organizational resources. The Montana Risk Management Office data shows that property claims spike during winter months, making this coverage essential for year-round operations.
Many nonprofits own valuable assets, such as buildings and equipment, which require adequate property insurance to protect against potential losses.
Your board members serve your mission with dedication, but they shouldn’t risk their personal assets.
D&O insurance safeguards their personal finances when they make management decisions. If a former employee claims wrongful termination, this policy covers legal expenses.
When your board makes tough financial choices, D&O insurance backs their decisions. The Nonprofit Association reports that non-profits with D&O coverage attract and retain better board members.
The Workers’ Compensation Board reports increasing employment claims against not-for-profits. EPLI protects your organization from claims involving discrimination, harassment, wrongful termination, and other workplace issues.
This coverage pays legal defense costs and settlements for employment-related claims. The policy extends to full-time staff, part-time workers, and even volunteers in certain situations.
Your EPLI coverage includes access to HR resources, training materials, and legal consultation services.
Our unemployment cost insurance protects your organization from unexpected spikes in unemployment claims while potentially reducing your overall employment-related expenses.
Special Non-Profit Insurance Options
You may need coverage beyond standard policies. Let’s explore a few options below.

Digital security threatens non-profits of every size. Cyber liability shields your organization’s digital assets and donor information.
The Montana Chamber of Commerce reports increasing cyber attacks on local nonprofits.
Cyber liability policy helps pay for data recovery, legal fees, and notification costs after a breach.
Your policy includes resources to strengthen your digital security and prevent future incidents.
When blizzards, wildfires, or other disasters halt your operations, business income insurance keeps your 501(c)(3) running.
This coverage maintains your cash flow during repairs, helping you pay staff and bills. Montana’s extreme weather demands this protection – from winter facility damage in Bozeman to summer wildfire threats near Missoula.
Volunteer Insurance
Volunteers represent the backbone of not-for-profit community. Our coverage fills gaps left by standard policies.
This business insurance covers personal vehicle use, accident medical expenses, and liability protection.
The coverage extends to all activities, from administrative tasks to community events.
Getting Started with The Allen Thomas Group

In the unfortunate event of financial difficulties, understanding how bankruptcy can affect your insurance policies is vital for ensuring continued protection during challenging times.
Our independent insurance agency can help you understand the burden of not insuring your U.S. based 501(c)(3).
Your insurance program starts with a thorough review of your non-profit’s operations. We focus on building protection that matches your organization’s needs and budget, providing insurance coverage designed for organizations and charitable entities.
We create custom insurance packages based on your nonprofit’s long-term activities. You have plenty of insurance options for your non-profit’s safety from unique risks.
Our team handles policy paperwork and explains your coverage in clear terms. We provide documentation for your board and help set up payment schedules. Training resources help your staff understand how to use your new insurance protection.
Your insurance needs change as your non profit grows. We recommend quarterly reviews of your coverage.
Major changes in operations, locations, or programs might require immediate policy updates. The Montana Risk Management Office suggests annual comprehensive insurance reviews.
Montana-Focused Expertise
Our agents understand the non-profit landscape. We know local regulations, weather patterns, and community needs.
This knowledge helps us create insurance programs that protect your specific activities.
Multiple Carrier Access
We maintain partnerships with leading non-profit insurance providers. These relationships help us provide broad coverage at competitive rates.
Our independent status means we work for you, not insurance companies. We compare policies from multiple carriers to find your best protection options.
Non profits that meet certain criteria may be eligible for discounted insurance rates through specialized programs.
Claims Support
Our team provides rapid response when you need help. We handle claim documentation, coordinate with adjusters, and advocate for your interests.
Your dedicated advisor guides you through the entire process. This local support helps minimize disruption to your non-profit operations.
Risk Management Services
Prevention saves money and protects your mission. Our team identifies potential issues before they cause problems. We provide training resources, facility inspection guidance, and safety protocols. These services help reduce claims and keep your insurance costs stable.
Understanding Insurance Costs for Non-Profits
Pricing Factors
Your organization’s location affects non-profit insurance rates due to regional risk variations.
The size of your organization, number of employees, and volunteer count influence premium calculations. Your claims history and chosen coverage limits play key roles in final costs.
Budget Planning
Our premium payment options fit non-profit budgets. Monthly payment plans help manage cash flow.
We identify available discounts and bundle coverage when possible. The Nonprofit Association suggests budgeting 3-5% of operating costs for insurance coverage.
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.

Tell us about your specific needs and we will find the right policy for you.

Review the results of our search.

We will walk you through your new policy step by step.
We’ve helped Nonprofits Just Like You
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Get A Quote To Protect Your Montana Nonprofit Organization
Non-profits strengthen communities through dedicated service. To enhance their protection against potential risks, organizations can opt for insurance policies tailored to the unique needs of non-profits.
The Allen Thomas Group matches your dedication with professional insurance protection built for your mission. Our 20+ year history of serving many nonprofits gives us deep insight into your insurance needs.
Proper insurance ranks among the top factors in nonprofit sustainability.
Your organization makes Montana better every day.
Let The Allen Thomas Group help you continue that work with confidence. Our insurance protection keeps your focus where it belongs.
Call us today at (440) 826-3676 to learn how proper coverage options protect your nonprofit management, mission, board, staff, and the communities you serve.
People also ask
Get More Insights On Making The Right Insurance Decision For Your Nonprofit Organization
Can board members be sued personally in Montana?
Montana law allows personal lawsuits against nonprofit board members for their decisions and actions. D&O insurance protects board members’ personal assets from these claims.
What insurance do I need for nonprofit fundraising events in Montana?
Event insurance covers liability, property damage, and alcohol-related risks at fundraisers. Special event coverage costs between $200-500 per event based on attendance and activities.
Does my nonprofit need property insurance if we rent our space?
Even renters need coverage for equipment, supplies, and improvements made to leased space. Your landlord’s policy won’t protect your nonprofit’s belongings.
What makes nonprofit insurance different from regular business insurance?
Nonprofit insurance includes special coverages for volunteers, board members, and charitable activities. Standard business policies don’t address these unique risks.
We Provide Customized Insurance For The Following Nonprofits in Montana
- Alumni nonprofit association
- Business nonprofit associations
- Charitable foundations
- Civic nonprofit associations
- Political clubs
- Professional nonprofit associations
- Recreation clubs
- Trade nonprofit associations
Montana Cities Where We Insure 501(c)(3) Nonprofits
Anaconda
Belgrade
Billings
Bozeman
Butte
Evergreen
Great Falls
Havre
Helena
Kalispell
Livingston
Lockwood
Miles City
Missoula
Whitefish