Why grantor insurance requirements are getting harder to meet
Foundations, federal grantors and city contracts are tightening their insurance asks. Non-profits whose programmes used to clear with $1M GL increasingly need to upsize.
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For non-profits & foundations
Insurance for non-profits.
501(c)(3)s, foundations and youth-serving organisations — bound to your funders' exact requirements.
Wire fraud and donor-data breaches are the most common cyber losses we see at nonprofits. See our cyber cover for business
The real risk
The questions every
owner should ask.
A board member is being personally sued. Are they covered?
Non-profit D&O defends and indemnifies directors and officers personally — including the volunteer board members most nonprofits run on. It's the single most important policy your board has, and it's often the cheapest.
A volunteer was injured at our event. What pays?
GL covers third-party bodily injury at events, with a separate volunteer accident policy filling the gap that workers' comp leaves for unpaid help. We place the two together so there's no exposed flank.
We run youth programmes. How real is the abuse-and-molestation exposure?
Very. It's the loss that has closed nonprofits. Abuse & molestation cover (an endorsement, not always automatic) is essential for any organisation with regular access to minors or vulnerable adults, alongside written screening and supervision protocols.
Our finance assistant wired funds to a fake vendor. Are we covered?
Funds-transfer fraud and donor-data breaches are now the most common cyber losses nonprofits suffer — and standard crime policies almost always sub-limit social engineering. We bind cyber and crime explicitly for nonprofit operations: donor PII, finance email compromise and ransomware on the donor database.
Inside the cover
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
Non-profit D&O
Personal-liability protection for boards, executives and volunteers — the line that protects the people who agreed to serve from being sued personally for the organisation's decisions.
Learn about this coverGL, abuse & molestation
Third-party bodily injury and property damage at facilities and events, plus dedicated abuse & molestation cover for organisations working with minors or vulnerable adults.
Learn about this coverEPLI & employee benefits liability
Wage, harassment, discrimination and benefits-administration cover for employees and, in some forms, volunteers.
Learn about this coverProperty, auto & volunteer accident
Offices and program facilities, vans and event vehicles, plus a volunteer accident policy that fills the gap workers' comp leaves for unpaid help.
Learn about this cover Why Nomos
A broker that works
the whole market.
Grantor and funder requirements, handled
City contracts, federal grants and foundation funders each prescribe specific limits, additional insured language and certificates. We read the requirements and bind to them.
Mission-specific markets
Social services, faith-based, arts, education and youth-serving nonprofits each price differently. We work with the carriers that actually want non-profit risk.
Honest about what to skip
Nonprofit budgets don't tolerate fluff. We'll tell you which cover earns its premium for your mission and which line you can defer until you grow.
How it works
From first call
to bound cover.
01
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
02
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
03
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Best fit
Who this is
built for.
501(c)(3) charitable and social-services organisations
Foundations and grantmaking entities
Youth-serving nonprofits, after-school and summer programs
Faith-based organisations and houses of worship
Arts, education and cultural institutions
From field notes
What we're writing
on this.
What does cyber insurance actually cover? A line-by-line breakdown
Cyber is now a baseline policy for any serious firm. Here's what's inside it, what's not, and where the form choices most often bite.
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Get a quote
Mission-built
cover, honestly priced.
Tell us what your organisation does and who you serve. We'll shop the carriers that price non-profit risk on its merits, and bind to your funders' exact requirements.
Non-profit D&O written to protect volunteer boards
Abuse & molestation cover where it's actually needed
Cyber for donor data and wire-fraud exposure
Grantor and funder language handled