> For the complete documentation index, see [llms.txt](https://learn.goodhearttech.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://learn.goodhearttech.org/other-nonprofit-resources/nonprofit-insurance.md). # Nonprofit Insurance Insurance is crucial for nonprofits to protect their assets, staff, and volunteers and sustain their mission. [Nonprofits Insurance Alliance (NIA)](https://insurancefornonprofits.org/nonprofits/) is the best insurance carrier for nonprofits. They are a nonprofit themselves and offer tailored insurance since it exclusively insures 501(c)3 organizations. It supports its nonprofit members' missions by providing affordable premiums and comprehensive plans. **Coverage Options (ballpark estimates, true cost will vary)** * **General Liability Insurance**: The most common type of insurance for nonprofits. At $650/year, it covers property damage and bodily injury. * **Directors and Officers Insurance**: Another very common insurance plan for nonprofits. For $600/year, it protects against board decisions or contract disputes, ensuring all parties get defended and paid. * **Non-Owned Auto Policy**: Priced at $300/year, it handles major auto accidents, with the individual's auto policy responding first. * **Volunteer Accident Policy**: At $100/year, it provides healthcare coverage to volunteers for worker's compensation claims. * **Professional Services**: Costing $1000/year, it varies drastically based on services offered by the nonprofit. Engaging a knowledgeable broker like [Paul Waters at NFP (paul.waters@nfp.com)](mailto:paul.waters@nfp.com) ensures nonprofits find suitable coverage. If you want more information or just want to chat about options, [contact Paul](mailto:paul.waters@nfp.com). --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://learn.goodhearttech.org/other-nonprofit-resources/nonprofit-insurance.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.