Georgia Nonprofit Insurance

Nonprofit organizations are vital to Georgia’s communities—providing services, resources, and support across sectors like education, healthcare, housing, food access, and the arts. But just like for-profit businesses, nonprofits face a variety of risks that can threaten their operations and mission. That’s where non-profit insurance comes in.

Whether you operate a food bank in Atlanta, a community center in Macon, or a shelter in Savannah, having the right insurance coverage can help your organization stay focused on what matters most: serving your community.

What Is Non-Profit Insurance?

Non-profit insurance is a customized package of coverages designed to protect charitable and mission-driven organizations from liability claims, property damage, employment issues, and more. It addresses the unique legal, operational, and reputational risks that nonprofits encounter.

Why Do Nonprofits in Georgia Need Insurance?

Georgia nonprofits face both common and unique challenges:

• Property damage from storms, theft, or vandalism

• Lawsuits stemming from injury, discrimination, or volunteer mishaps

• Employment-related claims, such as wrongful termination or harassment

• Cyberattacks or data breaches involving donor and client information

• Board member liability for organizational decisions

Even well-intentioned organizations can face costly claims—and without proper coverage, a single incident could disrupt or shut down operations.

Georgia Nonprofit Insurance Types

General Liability Insurance – Accidents can occur regardless of what type of organization you are running and these can be potentially devastating financially if you’re not prepared.  Third-party coverage for property damage or bodily injury are important as well as protecting against the cost of defending claims of molestation, assault or abuse.

Nonprofit Directors and Officers – Running a Georgia nonprofit can be very rewarding but can also have it’s potential pitfalls for those who lead.  You need to protect against claims against the board for decisions made, data breach, wrongful termination claims and more.

Property Insurance - Own or rent, you want to protect the things that could be lost during an unexpected event like a natural disaster, vandalism or other occurrence. This could include furniture, equipment, computers, machinery and other items of value.

Special Event Insurance – Many Georgia nonprofit organizations have a need to occasionally host or organize a fundraiser.  We can help protect these special events whether they require liquor liability or not. 

Other optional coverages you might consider:

• Workers Compensation
• Comprehensive Auto
• E & O Insurance

Legal Insurance Requirements for Georgia Nonprofits

While some coverages are optional, others are required by Georgia law:

• Workers’ Compensation: Required for organizations with 3 or more employees

• Commercial Auto Insurance: Mandatory for any organizational vehicles driven on public roads

If your nonprofit leases a building or receives grant funding, the property owner or grantor may also require proof of general liability or property insurance.

Your nonprofit’s mission deserves more than good intentions—it deserves protection. In Georgia, where nonprofits serve a wide range of community needs, the right insurance policy can mean the difference between surviving a crisis and shutting down operations.

By investing in nonprofit insurance, you’re not just protecting your organization—you’re preserving your impact.

Give us a call so we can discuss the specifics of your nonprofit organization and where your exposures might be.