Insurance for Non-Profits in Massachusetts

Running a nonprofit in Massachusetts is a noble pursuit with rewards that far exceed monetary value. Even so, the financial risk faced by charitable organizations is considerable. Without proper insurance, a single unforeseen incident could temporarily or irreparably stifle your mission.

Operating a tax exempt 501(c)(3) or other nonprofit in Massachusetts is a complex and demanding undertaking. To help maintain your organization’s continuity, we offer a range of prompt and convenient services. From private foundations and trade associations to political groups, religious organizations and more, each not-for-profit has distinct insurance needs. Our partnership with dozens of the industry’s top carriers gives our clients in Massachusetts insurance coverage options. Reach out to our team today to request a complimentary quote on our website.

Does My Non-Profit Need Insurance in Massachusetts? 

Non-profits in Massachusetts that have employees are generally required to carry workers compensation insurance. If your non-profit has vehicles, you will likely need commercial auto insurance. Beyond legal requirements, if you host events, many venues and contract agreements may require insurance. If you have questions on what coverages your Massachusetts non-profit should consider, reach out to our experienced team by phone or email.

Risks for Non-Profits 

Some potential risks confronting your Massachusetts nonprofit that you may want to consider when selecting your coverage include, but are not limited to:

  • Property Damage from Fire, Flooding, Wind, Snowstorms, etc.
  • Cyber Attacks/Data Breaches
  • Crime/Theft
  • Volunteer and Employee Injuries
  • Auto Accidents (if organization-owned vehicles are used)
  • Participant and Guest Injuries
  • Legal Actions from Clients or Employees

Volunteers sorting out donated clothes in community charity
What Insurance Coverages Should a Non-Profit in Massachusetts Consider? 

Depending on your organization’s specific mission, scale, the services you provide and other factors, the insurance needs of your nonprofit can vary greatly. For some smaller, lower-risk nonprofits, a standard Business Owner’s Policy (BOP) may be sufficient. This policy combines commercial property insurance and general liability insurance and can also include business income coverage. In most cases, this coverage should be combined with additional options to more thoroughly guard against risk.

We offer a broad spectrum of insurance solutions for nonprofits, including:

Investing in nonprofit insurance is critical. Request a quote on our website to begin exploring your options for insurance for nonprofits in Massachusetts with an experienced local agent. 

How Much Does Insurance for a Non-Profit in Massachusetts Cost?    

What a non-profit might pay per year for insurance coverage depends on a variety of factors. Some of these include the number of employees your organization has, where your organization is based out of, the nature of services you provide, and the value of any equipment you have. The types of coverage and the coverage limits you choose will also determine your annual insurance costs. Reach out to your local office to request a quote based on the needs of your non-profit.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

Have questions? Reach out today to get started. 

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