Nonprofit Insurance
Comprehensive coverage for Oregon 501(c)(3) organizations, charities, and associations since 1935.
Nonprofit Insurance in Oregon
Oregon nonprofits from community foundations and religious organizations to social service agencies and arts groups face unique liability exposures including volunteer injuries, directors and officers liability, and employment practices claims. Insure Pacific provides specialized nonprofit insurance programs designed for Oregon's diverse nonprofit sector.
As an independent agency since 1935, we work with carriers that specialize in nonprofit risks to find comprehensive coverage at affordable rates so your organization can focus on its mission.
Why Choose Insure Pacific?
- Specialized nonprofit insurance markets
- Directors and officers and volunteer coverage
- Oregon-focused independent agency
- 50+ carriers compared for best rates
- Affordable rates for nonprofits
- Serving Oregon organizations since 1935
Coverage Options
Comprehensive nonprofit insurance protection for Oregon.
Directors and Officers D&O
Protects board members and executives from personal liability arising from management decisions, governance disputes, and regulatory investigations.
General Liability
Covers bodily injury and property damage claims from clients, volunteers, event attendees, and third parties at your nonprofit's facilities or events.
Employment Practices Liability
Covers claims from employees and volunteers alleging discrimination, harassment, wrongful termination, and other employment-related violations.
Commercial Property
Covers your nonprofit's building, equipment, furniture, and assets against fire, theft, vandalism, and other covered perils.
Volunteer Accident Insurance
Covers medical expenses for volunteers injured while performing volunteer duties filling the gap left by workers compensation which typically does not cover volunteers.
Crime and Fidelity
Covers theft of nonprofit funds by employees or volunteers — a critical coverage for organizations that handle donations and grant funds.
Nonprofit Insurance: Key Facts
How Much Does Nonprofit Insurance Cost in Oregon?
Nonprofit insurance costs vary by organization size, annual budget, number of employees and volunteers, and program activities. Many carriers offer discounted rates for nonprofits. Insure Pacific works with specialized nonprofit insurance markets to find affordable, comprehensive coverage for Oregon charitable organizations.
Frequently Asked Questions
Common questions about nonprofit insurance in Oregon
What insurance does an Oregon nonprofit need?
Oregon nonprofits typically need general liability, directors and officers D&O, employment practices liability, commercial property, and crime and fidelity coverage. Organizations with employees need workers compensation. Those with vehicles need commercial auto. Volunteer-heavy organizations should add volunteer accident insurance.
Are nonprofit board members personally liable?
Yes. Nonprofit board members can be personally sued for decisions made in their governance role including financial mismanagement, conflicts of interest, and failure to fulfill fiduciary duties. Directors and officers D&O insurance covers board members' legal defense costs and damages arising from their governance activities.
Does workers compensation cover nonprofit volunteers?
No. Oregon workers compensation covers employees, not volunteers. Volunteer accident insurance fills this gap by covering medical expenses for volunteers injured while performing volunteer duties. It is an important coverage for nonprofits that rely heavily on volunteer labor.
What is crime insurance for nonprofits?
Crime insurance also called fidelity or employee dishonesty coverage covers theft of nonprofit funds by employees, board members, or volunteers. It is a critical coverage for organizations that handle donations, grant funds, and event proceeds. Many foundations and government funders require nonprofits to carry crime coverage.
Do Oregon nonprofits need special event insurance?
If your nonprofit hosts fundraisers, galas, or public events, you may need special event insurance in addition to your general liability policy. Special event coverage protects against event cancellation, liquor liability if alcohol is served, and higher liability limits for large gatherings.
How do I get a nonprofit insurance quote from Insure Pacific?
Call us at (541) 238-7775 or submit a quote request online. We will ask about your organization's mission, annual budget, number of employees and volunteers, and coverage needs. We work with carriers that specialize in Oregon nonprofit insurance.
Nonprofit Insurance in Your City
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Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.
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