Non-Profits & Affinity Groups | Republic Insurance

Non-Profits & Affinity Groups Insurance

Protecting the mission. Supporting the people behind it.

Republic Insurance Group provides specialized insurance and risk management solutions for nonprofit organizations and affinity groups—designed to protect leadership, volunteers, members, and the communities you serve.

Coverage structured for mission-driven organizations
Experience with boards, volunteers, and public exposure
Claims advocacy when reputations and programs are at stake

Organizations built around purpose and people

We work with nonprofits, associations, and member-based organizations, including:

Charitable and community nonprofits
Trade and professional associations
Membership and affinity groups
Faith-based and ministry organizations
Youth, education, and enrichment programs
Advocacy and service organizations
Foundations and grant-funded entities
Volunteer-driven organizations
Clubs, leagues, and civic groups

When people, volunteers, events, and governance intersect, insurance must be built around duty, oversight, and trust.

Coverage designed for nonprofit operations

Directors & Officers (D&O) Liability

Protection for board members and officers
Governance, fiduciary, and decision-making claims
Regulatory and donor-related allegations

General Liability

Premises and operations liability
Participant, member, and guest exposure
Event-related liability

Abuse & Molestation Liability

Critical for youth programs, faith-based organizations, and vulnerable populations
Coverage for allegations involving staff or volunteers
Defense and crisis management considerations

Property & Facility Coverage

Offices, community centers, and meeting spaces
Contents, equipment, and donated property
Business interruption and extra expense

Workers’ Compensation

Coverage for employees
Volunteer accident or injury protection (when applicable)

Employment Practices Liability (EPLI)

Allegations of discrimination, harassment, or wrongful termination
Management of sensitive employment issues

Cyber Liability & Data Privacy

Donor and member data exposure
Online fundraising and payment systems
Notification and response costs

Commercial Auto / Non-Owned Auto

Organizational vehicles
Volunteer driving exposure
Off-site program transportation

Umbrella & Excess Liability

Additional limits for higher-profile organizations and events

Where exposure often arises

Nonprofit and affinity organizations face risks that are organizational and personal, including:

Board and leadership decision-making exposure
Employment and volunteer disputes
Injury to participants, members, or guests
Abuse or misconduct allegations
Event-related incidents
Property and facility losses
Auto exposure for volunteers or staff
Reputational damage following allegations

We focus on protecting leadership and preserving the mission.

Tailored protection for different missions

Charitable & Service Nonprofits

Volunteer involvement and public interaction
Donor and grant compliance exposure

Trade Associations & Affinity Groups

Membership disputes and governance risk
Event and conference exposure

Youth & Education Programs

Abuse & molestation risk management
Participant safety and supervision

Faith-Based Organizations

Ministry operations and outreach exposure
Facilities, camps, and community programs

Foundations & Grant-Funded Entities

Board oversight and fiduciary exposure
Financial reporting and governance scrutiny

What helps us move efficiently

To prepare a quote or coverage review, we typically request:

Organization type and mission
Board structure and governance model
Programs, events, and activities
Number of employees and volunteers
Facilities and property owned or leased
Prior loss history
Current policies and renewal dates

A mission-aware approach to nonprofit insurance

Nonprofit insurance fails when advisors focus on budgets instead of governance and exposure.

Our approach:

1. Mission & activity review
We understand what you do, who you serve, and how programs operate.

2. Governance & leadership protection
D&O, EPLI, and abuse coverage aligned to organizational structure.

3. Volunteer & event risk alignment
Liability structured for real-world participation.

4. Claims advocacy
Support when allegations or incidents threaten reputation and continuity.

What organizations value most:

Clear guidance without unnecessary complexity
Respect for mission and resource constraints
Coverage that protects leadership and programs

Frequently Asked Questions

1) Do nonprofit board members have personal liability?
Yes. D&O insurance is critical to protect leadership.

2) Are volunteers covered under standard policies?
Not always. Volunteer accident and non-owned auto coverage may be needed.

3) Is abuse & molestation coverage necessary?
For many organizations, especially youth or faith-based groups, it is essential.

4) Do events require special coverage?
Sometimes. Large or high-risk events may require endorsements or separate policies.

5) Can nonprofits afford comprehensive insurance?
Programs can be structured to balance protection with budget realities.

6) How often should coverage be reviewed?
Annually, or when programs, leadership, or facilities change.

Insurance built to protect purpose.

From local nonprofits to regional associations and affinity groups, Republic Insurance Group delivers insurance solutions designed to safeguard leadership, volunteers, and mission.