Volunteer Insurance: Your First Line of Protection

Volunteers make nonprofit programs possible, but traditional coverage often excludes volunteer-related incidents. Our volunteer insurance solutions provide accident coverage and liability protection for the dedicated people who power your mission.

Ohio nonprofits working with volunteers need specialized protection that addresses:

• Volunteer accident insurance covering medical expenses for injuries during service

• Liability coverage for damages caused by volunteers during organizational activities

• Property damage protection when volunteers accidentally damage third-party property

• Professional liability for volunteers providing skilled services

We work with carriers who understand that volunteers deserve the same protection as paid staff, ensuring your organization can confidently engage community supporters without exposing them to financial risk.

Directors and Officers Insurance: Protecting Leadership Personal Assets

The nonprofit D&O insurance market shows mixed signals in 2025, with many organizations experiencing flat renewals or modest single-digit decreases in premiums due to new carriers entering the marketplace. However, nonprofit organizations file twice as many D&O claims as public and private companies combined, with 94% of nonprofit D&O claim dollars stemming from employment practices allegations.

Your board members and officers face personal liability exposure that could threaten their homes, savings, and retirement funds. Our directors and officers insurance provides comprehensive protection including:

• Side A Coverage: Direct protection for individual directors and officers

• Side B Coverage: Organization reimbursement for indemnification payments

• Side C Coverage: Entity protection for the nonprofit itself

• Employment Practices Liability: Coverage for discrimination and harassment claims

Average D&O settlement costs reach $28,000 before cases even go to court, while legal defense costs alone can exceed $200,000 for merit-based claims. Don't let qualified leaders walk away from your mission due to personal liability concerns.

Professional Liability Insurance: Safeguarding Your Specialized Services

Ohio nonprofits providing counseling, educational services, healthcare, or professional consulting need specialized professional liability insurance. This coverage protects against claims alleging errors, omissions, or failure to deliver promised services.

Our professional liability solutions address:

• Service delivery errors that result in client harm or financial loss

• Regulatory compliance failures that trigger investigations or penalties

• Breach of professional duty claims from clients or beneficiaries

• Defense costs for regulatory proceedings and professional board complaints

Around 70% of nonprofits believe new technologies like AI will assist in achieving their goals, but these innovations also create new professional liability exposures that traditional policies may not address.

Property Insurance: Protecting Your Physical Foundation

Through the last quarter of 2024 and first quarter of 2025, we see softening rates in the property market, though recent catastrophic fires in California will challenge this trend. Geographic location continues to influence carrier appetite and pricing.

Our property insurance solutions protect Ohio nonprofits from:

• Building damage from fire, severe weather, and natural disasters

• Equipment and technology losses critical to daily operations

• Business interruption coverage maintaining operations during repairs

• Tenant improvements for nonprofits leasing their facilities

We recommend nonprofits who question their carrier's valuation reevaluate property values through professional appraisals to ensure policies cover at least 80% of property value.

Cyber Liability Insurance: Essential Protection for Digital-Age Nonprofits

Nonprofits face increasing cybersecurity and data privacy concerns, with malicious actors potentially rendering systems inoperable and forcing organizations to shut down operations. A report found that by 2025 cybercrime will cost the world $10.5 trillion annually.

Ohio nonprofits need cyber liability insurance covering:

• Data breach response including notification requirements and credit monitoring

• Ransomware attacks and system restoration costs

• Business interruption from cyber incidents affecting operations

• Regulatory fines under HIPAA, COPPA, and state privacy laws

Organizations that fail to meet regulatory requirements may face significant fines, legal liabilities, and lasting damage to their public image.

General Liability Insurance: Your Foundation of Protection

General liability insurance forms the bedrock of nonprofit protection, covering third-party claims of bodily injury, property damage, and personal injury during your operations and events.

Essential for Ohio nonprofits because it covers:

• Visitor injuries at your facility or during events

• Property damage caused by your staff or volunteers

• Personal injury claims including libel, slander, and copyright infringement

• Legal defense costs and settlements for covered claims

On average, nonprofits pay $500 to $600 per year for general liability insurance, making it one of the most cost-effective protections available.

Workers' Compensation Insurance: Legally Required Employee Protection

If your organization has employees, both state and federal insurance requirements apply, typically mandating workers' compensation coverage. Ohio law requires this coverage for nonprofits with employees.

Our workers' compensation solutions provide:

• Medical expense coverage for work-related injuries and illnesses

• Wage replacement benefits during employee recovery periods

• Legal protection from employee lawsuits over workplace injuries

• Return-to-work programs helping injured employees resume duties

This insurance is mandatory in California if your nonprofit has employees, covering medical costs and disability benefits - and similar requirements exist across all states where we serve nonprofits.

Risk Management: Your Strategic Partnership Beyond Insurance

Focus on better claim oversight and working closely with insurance carriers makes loss control key, including trend analysis, onsite inspections, and program policy review.

Our risk management approach includes:

• Risk assessment identifying your organization's unique exposures

• Loss prevention strategies reducing claim frequency and severity

• Claims advocacy ensuring fair treatment during the claims process

• Regulatory compliance guidance keeping your coverage current with legal requirements

We believe in building relationships, not just selling policies. Your success strengthens Ohio's entire nonprofit community.

Auto Insurance for Nonprofits: Protecting Transportation and Outreach

Whether your nonprofit owns vehicles or staff use personal cars for organizational purposes, proper auto coverage is essential. Our solutions include:

• Commercial auto insurance for organization-owned vehicles

• Hired and non-owned auto coverage protecting when staff use personal vehicles

• Passenger liability for clients and volunteers during transport

• Physical damage coverage for vehicles used in nonprofit operations

Coverage requirements vary state to state, so checking with your broker ensures appropriate protection for your organization.

Event Insurance: Safeguarding Your Community Gatherings

Special events create impact but bring risks that general liability alone may not fully address. Event insurance covers property damage, injuries, or other incidents during fundraisers, galas, and community activities.

Ohio nonprofits hosting events need protection for:

• Venue liability covering damage to rented or borrowed facilities

• Participant injuries during activities or entertainment

• Vendor incidents involving food service or entertainment providers

• Weather cancellation protecting against financial losses from postponements

This coverage lets you run impactful programs without worrying about potential claims that could drain your resources.

Umbrella Insurance: Extra Protection When You Need It Most

Umbrella liability is seeing rapidly rising rates in 2025, as carriers perceive this line of coverage to be actuarially complex to predict. The trend for carriers to offer lower limits to insureds on renewal continues, with some carriers not offering any umbrella limits on renewal.

Despite rising costs, umbrella coverage provides:

• Additional liability limits beyond your primary policies

• Broader coverage filling gaps between different policy types

• Catastrophic claim protection preserving your organization's assets

• Legal defense for claims exceeding primary policy limits

For nonprofit organizations serving vulnerable populations or hosting large events, umbrella coverage can mean the difference between surviving a major claim and closing your doors.

Ohio's Nonprofit Insurance Experts: Local Knowledge, National Reach

As an independent insurance agency based in Akron, Ohio, The Allen Thomas Group brings local expertise with the ability to serve nonprofits across over 20 states. We understand Ohio's regulatory environment while accessing national markets for competitive coverage options.

Our approach emphasizes:

• Personalized service building relationships with clients, not just processing transactions

• Local accessibility with face-to-face consultations when you need them

• National carrier relationships providing access to specialized nonprofit coverage

• Claims advocacy supporting you through the claims process with local expertise

We've simplified the insurance process for over 20 years, saving clients time and money while providing the personalized solutions Ohio nonprofits deserve.