Tennessee Nonprofit Insurance

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Get Tailored Non-Profit Insurance To Protect Your Nonprofit in Tennessee From The Allen Thomas Group Insurance Agency

The Allen Thomas Group, as an independent insurance agency, provides top-rated nonprofit insurance to organizations across Tennessee, bringing 20 years of specialist experience to protect your mission.

Our insurance agents understand your organization’s unique needs, recognizing that two non profits never face identical risks.

We work with nonprofits, including places of worship, religious institutions, arts organizations, community health clinics, educational societies, and religious organizations, to build custom insurance packages.

Let us help you find the best coverage options that shield them from risks while respecting their budgets.

It’s also particularly important to understand your obligations when you hire your employees.

Get your free commercial insurance quote.

How much does nonprofit insurance cost in Tennessee?

Most organizations need to consider that premium prices for Tennessee non-profits typically range between $1,200 and $5,000 annually for a comprehensive suite of insurance solutions.

A Partner You Can Trust

Why Tennessee Nonprofits Need Specialized Insurance?

Some non profits think they’re immune to lawsuits, but your nonprofit needs to protect itself from risks that small business owners face as they might end up with hefty fines.

A comprehensive suite of insurance solutions means your nonprofit needs coverage to safeguard against unexpected challenges.

Each organization’s needs create specific exposures based on their services, location, and community involvement. That’s why you need insurance options that provide broad coverage. We also need to look at potential risks such as claims of harassment or discrimination that standard liability policies often miss.

Religious organizations need an insurance policy for buildings and when they deal with members of their congregations. Youth-focused non profits require coverage that distinguishes between the organization itself and the personal risk to staff.

Health service organizations must protect against risks that can stem from the course of employment.

Arts organizations also need to think about coverage for valuable assets.

The Allen Thomas Group works closely through the risk management process to create a non-profit insurance policy that protects against discrimination.

Our top-rated coverage accounts for your distinct operational needs while meeting Tennessee state requirements.

Getting The Right Coverage

Types of Non-Profit Insurance Coverage in Tennessee

Our policies distinguish between the organization itself and the personal needs of each non profit. We offer a comprehensive suite of insurance solutions starting with fundamental protection.

It’s also particularly important to check your coverage as your non-profit organization grows in the state of Tennessee.

General Liability Insurance in Tennessee

General liability insurance provides coverage for non profits against common operational risks.

Many not-for-profits need this coverage to handle medical expenses and legal costs from personal injury incidents during daily operations. This insurance policy protects you from the unexpected during programs and community events.

Commercial auto insurance

We know premium prices for not-for-profits vary based on fleet size.

Two non profits might have different vehicle needs, which is why you need coverage that distinguishes between personal and organizational use.

Workers' Compensation Insurance

Tennessee mandates specific insurance options for non profits with five or more employees. We’ll help you understand your obligations when you hire your employees.

Your risk management process must include protection against discrimination and employment-related allegations.

Commercial Property Insurance

Property insurance provides broad coverage to safeguard your nonprofit’s physical assets from property damage whether owned or leased.

Top-rated coverage options protect against risks that small business owners face, like electricity issues, theft, vandalism, and natural disasters. Understanding your obligations regarding property maintenance helps prevent major long-term impact to your operations.

Directors & Officers Liability Insurance

This coverage protects against breach of duty claims, misstatement risks, and misleading statements.

Your leadership needs protection from employment-related allegations. Let us help you find the best coverage to protect board members from wrongful termination claims.

It’s important to understand how an insurance policy distinguishes between personal liability of a director and the organization.

Employment Practices Liability Insurance

Employment practices liability insurance protects Tennessee non-profits from risks that stem from managing staff. Your nonprofit needs to understand your obligations when you hire employees, as many claims can stem from workplace-related claims.

This policy distinguishes between different workplace claims, providing broad coverage for discrimination, mismanagement, wrongful termination, and harassment allegations.

Organizations also need to think about protection against retaliation claims and workplace policy violations. It’s also particularly important to check that your coverage safeguards your nonprofit’s reputation while managing employment-related legal costs.

Additional Coverages To investigate

Special Insurance Options for Non-Profit Organization

Tennessee nonprofits need insurance solutions beyond standard business policies. Special coverage options include protection for fundraising events, volunteer activities, board member decisions, and professional services.

Religious institutions require specific coverage for worship activities, while youth organizations need enhanced protection for minors. Medical nonprofits must secure specialized liability coverage for health services.

Cyber Liability Insurance

Can you imagine the reputational damage that might ensue in the aftermath of a virus attack on your database? What is the virus affected your database and prevented you continuing your operations even for a single day?

That’s why you need database and breach prevention coverage. It’s estimated that three out of four not-for-profits face major long-term impact from cyber incidents. We work with organizations to protect against the unexpected in digital operations.

Business Interruption Insurance

Business interruption insurance, also particularly important for non-profits, protects your organization from the unexpected when disasters strike.

Many nonprofits need this coverage to safeguard against major long-term impacts on their operations.

It covers the revenue you might have earned had the disaster not occurred.

Premium prices for 501(c)(3) organizations vary based on several factors, but this insurance solution covers continuing operational costs, including payroll and utilities.

When your nonprofit needs to protect against service disruptions, this coverage extends to situations like building repairs, mandatory evacuations, or other risks that small business owners face.

Professional Liability Insurance

Professional liability insurance offers insurance for staff who deal with members of your community.

Many nonprofits also need to think about how this coverage protects against claims that can stem from professional advice.

It’s also particularly important to check that your non-profit’s professional services are protected.

An Agency That Values Your Mission

Tennessee Nonprofit Insurance Requirements to Protect Your Organization

Different nonprofit types face unique risks, which is why you need insurance options tailored to your mission.

Religious organizations and places of worship need an insurance policy that distinguishes between the organization itself and personal liability.

We’ll help religious institutions find the right coverage to insure their specific activities.

Your insurance needs vary based on:

The types of services provided
How you deal with members of your community
Whether you hire employees or rely on volunteers
Your property and asset requirements

Insurance Certificates and Documentation

Tennessee non profits should understand their obligations regarding insurance documentation. Your unique needs determine which certificates are required for operations, grants, and contracts.

We recognize that many non profits need quick access to prove coverage, so our top-rated service provides same-day certificate delivery.

As an independent insurance agency, we work closely with organizations to maintain proper documentation that proves your nonprofit’s insurance coverage meets all requirements.

Service Excellence and Claims Support

The Allen Thomas Group provides a comprehensive suite of insurance solutions beyond just policy issuance. When non-profits need to protect their interests during claims, our team offers expert guidance.

It’s estimated that three out of five claims require professional advocacy for best results. We’ll help navigate the process, ensuring your organization’s claim receives proper attention.

Our insurance agents deal with members of the insurance companies directly, allowing you to focus on your mission while we handle the details.

Risk Management Services for Non-Profits

Our risk management process begins with analyzing potential risks such as claims that can stem from daily operations. It’s estimated that three out of four claims can be prevented through proper risk assessment.

We work closely with non profits to:

Evaluate risks that small business owners face
Protect you from the unexpected through prevention strategies
Find the right coverage for your specific needs

Contact Us to Protect Your Mission in Tennessee

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 Quote To Insure Your Non-Profits

Getting the right non-profit insurance policy starts with understanding your unique needs.

As a licensed independent insurance agency in Tennessee, we work closely with multiple carriers to secure premium prices for non profits that fit your budget.

Call us at (440) 826-3676 to start protecting your mission with coverage that provides broad protection against the unexpected.