Hands cupping a globe, symbolizing care and protection for the planet.

Protection for Community Organizations

Nonprofit Insurance

Nonprofits play a vital role in serving communities, but running a charitable or service-based organization comes with unique risks. Johannes Agency provides nonprofit insurance designed to protect property, staff, volunteers, and leadership. From churches and youth programs to community centers and advocacy groups, we help organizations stay focused on their mission with confidence.

What’s Included in Nonprofit Insurance Coverage

Technology insurance blends traditional business protections with coverage unique to the digital world. Common policies include:

Shield icon with a check mark inside.

General Liability

Covers injuries or property damage claims from visitors or participants.

Shield icon with person and check mark.

Volunteer Liability

Extends protection to unpaid staff and helpers.

Warehouse icon with boxes.

Commercial Property

Covers buildings, offices, and equipment.

Hard hat with shield and checkmark.

Workers’ Compensation

Required coverage for employees.

Two stick figures, one patting the other on the shoulder.

Abuse & Molestation Coverage

Available for organizations working with youth or vulnerable groups.

Shield icon with a necktie inside.

Directors & Officers (D&O) Liability

Protects board members and leadership from claims of mismanagement.

Briefcase icon with dollar sign.

Business Interruption Insurance

Helps cover operating expenses if a nonprofit is forced to close temporarily due to a covered claim.

Organizations We Help Protect

Johannes Agency supports a wide variety of nonprofit groups across Minnesota and beyond, including:

  • Charitable Organizations

    Community-based service and advocacy groups.

  • Religious Institutions

    Churches and places of worship.

  • Youth Programs

    Camps, after-school programs, and mentoring groups.

  • Community Centers

    Facilities offering education, recreation, or social services.

  • Foundations & Associations

    Groups providing financial or organizational support.

Nonprofit Insurance FAQs

Here are answers to common questions nonprofit leaders ask about insurance:

  • Why do nonprofits need Directors & Officers (D&O) coverage?

    Board members and executives can be personally named in lawsuits alleging mismanagement, discrimination, or financial missteps. D&O liability helps protect leadership from these claims.

  • Are volunteers covered by nonprofit insurance?

    Yes, with the right policy. Volunteer liability ensures unpaid staff have protection if an incident occurs while helping your organization.

  • Does nonprofit insurance cover fundraising events?

    Yes. Coverage can extend to special events like dinners, festivals, or auctions. Depending on the event, liquor liability or additional endorsements may be needed.

  • What if our nonprofit doesn’t own property?

    You still need general liability and possibly D&O coverage. Even if you rent office space or operate virtually, your organization can be sued or held liable for damages.

  • Can small nonprofits afford insurance?

    Yes. Coverage can be scaled to your organization’s size and budget. Johannes Agency works with multiple carriers to find affordable options tailored to nonprofits.