At J.F. Shaw Insurance Agency, we understand that running a nonprofit organization takes dedication, compassion, and careful stewardship of resources. Whether you serve your community through education, health programs, faith-based outreach, or social services, your mission depends on people’s trust and your ability to keep operations running smoothly. The right insurance coverage helps protect that mission, allowing your team to focus on serving others, which is what matters most.
Why Nonprofit Insurance Is Important
Every nonprofit in Georgia faces risks that can threaten its ability to operate. A volunteer could be injured at an event. A board member might face a legal claim over a decision made in good faith. Or donated equipment could be damaged in a storm. Without proper insurance, these situations could quickly drain resources that were meant to support your cause.
Insurance coverage for nonprofits provides the financial protection necessary to continue your work even when the unexpected happens. It ensures that property, staff, volunteers, and leadership are all protected under policies designed to address the unique needs of charitable organizations.
Core Coverages Every Nonprofit Should Consider
General Liability Insurance
General liability insurance is the foundation of protection for most nonprofits. It covers injuries to visitors or participants as well as damage to property that occurs during your organization’s activities. For example, if someone slips and falls at your facility or an accident occurs during a fundraiser, general liability coverage helps pay for medical expenses and legal costs.
Directors and Officers (D&O) Insurance
Nonprofit board members and officers make critical decisions that shape the future of the organization. D&O insurance protects them from claims of mismanagement, negligence, or failure to follow bylaws. Even when claims are unfounded, legal defense can be costly. This coverage ensures your leaders can serve confidently without personal financial risk.
Property Insurance
Many nonprofits own or lease office space, storage areas, or vehicles. Property insurance protects those assets from fire, theft, vandalism, and certain weather events. It covers the cost of repairs, replacement, and even business interruption expenses if your organization is not able to operate temporarily after a covered loss.
Professional Liability (Errors and Omissions)
If your nonprofit provides counseling, educational services, or community programs, professional liability insurance covers claims related to mistakes or omissions in your work. For example, if advice or information shared by your staff leads to a financial or emotional loss, this coverage helps pay for defense and settlements.
Workers’ Compensation and Volunteer Coverage
Employees and volunteers are the heart of every nonprofit. Workers’ compensation is required for employees in Georgia and covers medical expenses and lost wages due to a work-related injury. Volunteers may not be covered under traditional policies, so adding a volunteer accident policy ensures they are protected while serving in your organization.
Additional Coverages to Strengthen Protection
Cyber Liability Insurance
Nonprofits often handle sensitive donor and client information. A data breach or cyberattack can result in financial loss and reputational damage. Cyber liability insurance helps cover the cost of data recovery, legal fees, and notification requirements, giving peace of mind in a digital world.
Auto Insurance
If your organization owns vehicles or if staff use their personal cars for outreach and deliveries, commercial auto or non-owned auto coverage is important. It protects against liability and property damage from accidents that occur during work-related travel.
Event Insurance
Fundraisers, galas, and community events are central to nonprofit outreach. Event insurance covers cancellations, accidents, or property damage that might occur during these gatherings, protecting your organization from unexpected losses.
How J.F. Shaw Supports Georgia Nonprofits
At J.F. Shaw Insurance Agency, we believe that insurance for nonprofits should be as thoughtful and personalized as the work they do. We take time to understand your organization’s goals, programs, and day-to-day operations before recommending coverage.
Our team evaluates your property, staff, and volunteer activities to identify potential risks. Then we design a policy that fits your size, budget, and scope of services. Whether you operate a small community center or a large statewide outreach program, we help ensure that your insurance program reflects the unique challenges you face.
Guidance from Start to Claim
Our support doesn’t stop once your policy is written. If an incident occurs, we help you navigate the claims process, ensuring your case is handled efficiently and fairly. We also review your policies regularly as your organization grows, adding new programs, events, or facilities. This ongoing partnership helps your nonprofit stay protected as it evolves.
Building Confidence and Continuity for Your Mission
The right insurance program does more than pay for losses. It gives donors, staff, and community partners confidence that your organization is responsible and well-prepared. When you protect your resources, you protect the trust that others place in your mission.
At J.F. Shaw Insurance Agency, we are proud to support Georgia nonprofits by helping them safeguard their people, property, and purpose. Our goal is to make sure your coverage reflects the dedication you show to others every day.
Taking the Next Step Toward Peace of Mind
Your nonprofit’s mission deserves protection that matches its impact. A customized insurance plan can make the difference between a temporary setback and a lasting disruption.
If you have not reviewed your nonprofit insurance recently, now is the perfect time. Contact J.F. Shaw Insurance Agency in Marietta to schedule a free coverage review or request a personalized quote. Call 770-427-4626 or visit our website to learn how we can help protect your organization’s future and keep your mission moving forward.