Nonprofits Insurance in Louisiana
Louisiana nonprofits need protection that understands their unique mission, volunteer operations, and the special risks facing charitable organizations serving our communities.
We serve nonprofits businesses across Louisiana, from New Orleans to Shreveport and everywhere in between.
Top Risks Nonprofits Businesses Face in Louisiana
Nonprofits businesses in Louisiana face unique challenges that require specialized insurance protection. Understanding these risks is the first step toward comprehensive coverage that protects your business, employees, and livelihood.
Directors and officers facing personal liability for board decisions
Volunteer injuries during events and service activities
Employment disputes with staff members
Property damage to facilities, equipment, or donated goods
General liability from events, programs, and community activities
Cyber liability if you store donor or client information
Coverage Designed for Nonprofits
The right insurance coverage addresses the specific risks your nonprofits business faces. Here's how each recommended coverage protects you from the challenges unique to your industry.
Protects board members and executives from personal liability for management decisions, helping attract qualified leadership and protect personal assets.
Essential protection for events, programs, and activities where volunteers, clients, or the public could be injured or property damaged.
Covers your facilities, equipment, and donated goods from fire, storms, theft, and other perils that could disrupt your mission.
Protects against employment-related claims from staff members, which are increasingly common even in nonprofit organizations.
Volunteer Accident Coverage
Provides medical coverage for volunteers injured while serving, protecting both volunteers and your organization from injury costs.
Essential if you store donor information, client data, or process online donations. Protects against data breach costs and cyber attacks.
How Watley Insurance Group Supports Nonprofits
As a Louisiana-based commercial insurance agency, we understand the unique challenges nonprofits businesses face in our state. We're not just insurance agents—we're your partners in protecting what you've built.
We Learn How Your Nonprofits Operation Works
Before recommending coverage, we take time to understand your specific operations, risks, and goals. This deep understanding ensures your policy addresses your actual exposures, not just generic industry risks.
We Shop Multiple Carriers Who Understand Your Industry
We work with insurance carriers that specialize in nonprofits coverage. By comparing multiple options, we find you the best combination of coverage and price from carriers who understand your industry's unique needs.
We Help You Manage Certificates, Changes, and Claims
Your relationship with us doesn't end at the sale. We help with certificates of insurance, policy changes, claims support, and ongoing risk management. When you need help, you'll talk to someone who knows your business.
Real-World Situations Where Coverage Matters
These scenarios illustrate how the right insurance coverage protects nonprofits businesses when unexpected events occur.
Board Decision Leads to D&O Claim
A nonprofit's board made a decision that resulted in financial losses for the organization. Former staff members filed a lawsuit against board members personally. D&O coverage provided legal defense and settlement protection, preventing board members from facing personal financial ruin.
Volunteer Injury at Community Event
A volunteer was injured while setting up for a fundraising event, requiring medical treatment. Volunteer Accident Coverage handled the medical expenses, protecting both the volunteer and the nonprofit from unexpected costs.
Hurricane Damage to Nonprofit Facility
A community center serving low-income families lost its roof and suffered water damage during a hurricane. Commercial Property coverage covered repairs and replacement of damaged equipment, allowing the organization to continue serving the community without interruption.
Nonprofits Insurance FAQs
Why do nonprofits need Directors and Officers insurance?
D&O insurance protects board members and executives from personal liability for management decisions. Without it, board members could face personal financial risk, making it difficult to attract qualified leadership. Many nonprofits require D&O coverage to protect their board members.
Are volunteers covered by Workers' Compensation?
No, Workers' Compensation typically only covers employees. Nonprofits need Volunteer Accident Coverage to protect volunteers injured while serving. This coverage provides medical benefits for volunteers and protects your organization from volunteer injury costs.
Do small nonprofits need Employment Practices Liability?
Yes. Employment-related lawsuits are common even for small nonprofits. EPLI protects against claims of discrimination, harassment, wrongful termination, and other workplace issues. Even small organizations can face expensive employment claims.
What insurance protects nonprofit events and programs?
General Liability insurance protects against claims from events, programs, and activities where volunteers, clients, or the public could be injured or property damaged. Many venues require proof of liability insurance before allowing events.
How does Commercial Property insurance help nonprofits?
Commercial Property insurance covers your facilities, equipment, donated goods, and other property from fire, storms, theft, and other perils. This is essential protection for the assets that enable your mission, ensuring you can continue serving even after a loss.
Get Coverage for Your Nonprofits Business
Tell us a little about your operation and a Louisiana-based agent from Watley Insurance Group will follow up with options tailored to your industry.
Let's Get You Insured Today
Fill out the form below or give us a call at 318-423-7445