Pennsylvania Nonprofit Insurance

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

The Allen Thomas Group supports 501(c)(3) with specialized non-profit insurance coverage that fits your mission and budget.

Our team brings 20 years of direct experience helping organizations like yours protect their work, people, and assets.

Non-profits face distinct risks – from volunteer safety to cyber threats.

We match you with the right non profit coverage at competitive rates through our network of top-rated insurance carriers.

Get a free, no-obligation insurance quote now!

What is the cost of nonprofit insurance in Pennsylvania?

In Pennsylvania, nonprofit organizations typically pay a median premium of about $45 per month, or $500 per year, for general liability insurance. For more comprehensive coverage, a business owner’s policy (BOP) combining general liability and commercial property insurance costs around $80 per month, or $980 per year, for nonprofits.

A Partner You Can Trust

Protecting Nonprofit Organizations

PA non profits serve our communities in countless ways, from food banks to youth programs to arts organizations. Each type of nonprofit needs specific insurance protection.

The Pennsylvania Department of Insurance requires certain coverages, while other insurance policies provide protection against risks unique to your organization.

Our independent agents understand both the regulatory requirements and practical needs of not-for-profits.

Getting The Right Coverage

Insurance Coverage Types for Nonprofits

We customize policies for not-for-profits to protect your organization from covered risks.

Pennsylvania General Liability Insurance

This policy serves as the foundation for nonprofit protection.

This fundamental coverage defends organizations against third-party claims of bodily injury, property damage, and personal injury that occur during regular activities.

The policy covers medical expenses, legal defense costs, and settlements, protecting your nonprofit’s financial stability.

Commercial auto insurance

Business Auto policy protects vehicles used in the transport of non profit services or products. It applies to owned vehicles, staff cars used for business, and rented vehicles.

The state law requires non profits to carry specific minimum liability limits. The policy covers accidents, vehicle damage, medical payments, and uninsured motorist protection for staff and volunteers during work-related travel.

Workers' Compensation Insurance

Workers compensation insurance, mandated by Pennsylvania law for organizations with employees, provides essential protection for your staff.

It pays medical expenses and replaces lost wages when employees suffer work-related injuries or illnesses. It also protects nonprofits from potential lawsuits related to workplace injuries.

Commercial Property Insurance

Property insurance safeguards your organization’s physical assets, including buildings, equipment, furniture, and supplies. It responds to losses from fire, theft, vandalism, and natural disasters.

Property policies can include additional protection for items like computers, specialized equipment, and donated goods. Building owners and lessors often require property policy.

Directors & Officers Liability Insurance

D&O protects board members, officers, and the organization from claims related to governance decisions.

It responds to allegations of mismanagement, improper oversight, or breach of fiduciary duty.

D&O policies cover legal defense costs and potential settlements, preserving both personal and organizational assets.

Employment Practices Liability Insurance

EPLI provides protection for non profits against employment-related claims. It addresses allegations of discrimination, harassment, wrongful termination, and other workplace conduct issues.

EPLI policies cover legal defense costs, settlements, and judgments from employee lawsuits and extends to full-time staff, part-time workers, and volunteers.

Many policies include access to HR resources and legal consultation services to help prevent employment claims before they occur.

Additional Coverages To investigate

Essential Options for 501 (c)(3)

While the coverages mentioned above provide a solid foundation of protection, supplementary insurance policies can strengthen specific vulnerabilities that are unique to the nonprofit sector.

Cyber Liability Insurance

It protects non profits against data breaches, cyber attacks, and privacy violations. It responds to incidents involving donor records, staff information, and other sensitive data stored on your systems.

Cyber policies pay for breach investigation, notification costs, legal expenses, and regulatory fines. It includes support for ransomware attacks, phishing scams, and network security failures.

Many policies provide access to cybersecurity experts and response teams who help restore systems and prevent future attacks. The Pennsylvania Nonprofit Code recommends this policy for organizations handling personal information.

Business Interruption Insurance

Business income policy helps non-profits maintain operations after a covered property loss disrupts normal activities. It replaces lost revenue and pays continuing expenses when your organization cannot operate due to physical damage.

The policy covers payroll, rent, utilities, and other fixed costs during the recovery period. It helps non profits relocate to temporary facilities if necessary. The coverage period typically extends until your organization returns to normal operations or reaches the policy limit.

Professional Liability Insurance

Also called errors and omissions policy, it addresses claims of negligence or inadequate service delivery. This policy proves vital for non profits providing counseling, education, or advisory services.

It covers legal expenses and damages resulting from alleged mistakes or oversights in professional services.

An Agency That Values Your Mission

Why Choose The Allen Thomas Group for To Risk Protection for Your Nonprofit Mission?

Small decisions about coverage make big differences in protecting your organization’s work.

The Pennsylvania Council of Nonprofits reports that 60% of nonprofits lack proper protection for their specific risks. Our agents identify gaps in protection before they become problems.

We start with a free risk assessment that examines your:

Daily activities
Number of volunteers, workers
Types of services provided
Physical locations and assets
Funding sources and requirements
Special events and programs

Tailored Risk-Management Programs

Risk management reduces claims and keeps premiums stable. The Allen Thomas Group builds custom for non profits. We analyze your work to identify potential issues before they cause problems.

Our services include:

Site safety evaluations
Employee training programs
Emergency response planning
Contract review services
Regulatory compliance checks
Background screening protocols

These programs adapt to changes in your work. We update recommendations based on new activities or expanded services. Regular reviews help maintain effective protection as your organization grows.

Claims Support for Pennsylvania Nonprofits

Our claims advocacy process stands as a cornerstone of support for non profit business owners. When organizations need to file non-profit claims, the process demands exact documentation and continuous communication with carriers.

The Allen Thomas Group takes ownership of these responsibilities, which lets nonprofit leaders focus on their core mission and daily operations. We handle form submissions, coordinate with adjusters, and monitor each claim’s progress through final resolution.

Our claims system runs on proven response methods. Each nonprofit receives direct contact with experienced claims specialists who know your coverage details.

Regular status updates keep you informed at every stage. Before accepting settlements, our team conducts thorough reviews of offered terms to make sure you receive full benefits under your policy.

When disagreements surface about coverage or settlement amounts, we step in with documented evidence to support your position.

Cost Factors

Nonprofit insurance costs reflect multiple operational variables. The Allen Thomas Group helps non-profit organizations understand how different elements affect their premiums.

Physical location and building conditions play major roles in property rates. Annual revenue numbers indicate operational scale and potential liability exposure.

Employee count affects workers’ comp costs. Volunteer programs in Doylestown or elsewhere need specific coverage consideration. Service types determine professional liability needs.

Past claims show risk management effectiveness. Coverage limits and deductible choices directly impact premium amounts.

Our systematic evaluation process weighs each factor’s impact on your total insurance program. We walk through cost implications of policy choices in clear terms. This knowledge helps non-profits leaders select the right policies that balance budget constraints with operational needs.

Contact Us to Protect Your Mission in Pennsylvania

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

Get A Pennsylvania Nonprofit Insurance Quote Now

Many nonprofits choose our insurance agency when they need insurance.

Your nonprofit is unique. Let’s serve your organization’s unique needs.

As a top independent insurance broker serving PA, The Allen Thomas Group is dedicated to providing insurance solutions that consider your core values.

We take the time to understand your specific operations and needs and customize comprehensive policies accordingly.

Call (440) 826-3676 for a free quote or click on the button to begin an online quote now.

Let us help find the best insurance solutions for your 501 (c)(3).