Nonprofit Organizations and Their Insurance Needs in West Virginia 

Nonprofits often work with limited resources and depend heavily on volunteers, making them more vulnerable to various risks. Standard business insurance may not address the specific exposures nonprofits encounter.

What Is Nonprofit Insurance and Who Needs It?

Nonprofit insurance is a specialized form of coverage designed specifically for nonprofit organizations. It considers the mission-driven operations, volunteer involvement and resource constraints that define these groups.

Nonprofit policies can be valuable for many groups, including:

• Charitable and humanitarian organizations
• Community service programs
• Environmental groups
• Foundations and grantmaking organizations
• Youth organizations and after-school programs
• Churches and faith-based groups
• Arts, cultural, and historical organizations
• Animal rescue or advocacy groups

What Are Common Risks Faced by West Virginia Nonprofits?

While nonprofits operate differently, they often encounter similar exposures, such as:

• Accidents or injuries that occur at events, offices or program locations
• Claims made against board members or leadership for decisions made for the organization
• Loss or harm to offices, equipment or donated goods
• Workplace incidents involving staff or volunteers
• Data breaches or cyberattacks affecting donor or client information
• Claims related to the services or guidance the nonprofit provides

What Does Nonprofit Insurance Cover?

Nonprofit insurance can be tailored to the organization’s specific activities and risks. Thornburg Insurance Agency offers policies that can address:

• General liability
• Directors and officers liability
• Commercial property
• Workers’ compensation
• Cyber liability
• Professional liability

Learn More

If you are a nonprofit leader or board member in West Virginia, Thornburg Insurance Agency is here to help you navigate your insurance needs. We can identify potential risks and recommend suitable coverage. Contact our team today to explore your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.