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From charities and foundations to clubs, youth programs, and social-service organizations, your mission deserves coverage built around the real risks nonprofits face. As a local, independent agency, we shop multiple carriers to help protect your people, your property, and the board members who volunteer their time.
Every organization is different. These are the protections we most often help Michigan nonprofits put in place. Your local agent will tailor the mix to your mission, your activities, and your budget.
Helps protect your board and leadership against claims tied to their decisions, including management and employment-practices allegations.
Responds to third-party bodily injury and property damage claims at your facility, programs, and community events.
Covers your building, equipment, furnishings, and program supplies against fire, theft, and other covered losses.
Important coverage for organizations that serve children or vulnerable populations, responding to abuse and molestation allegations.
Extends protection to the volunteers who power your mission and to fundraisers and special events you host.
Covers organization-owned vehicles, plus hired and non-owned auto for staff and volunteers driving on your behalf.
Required in Michigan for most organizations with employees, covering work-related injuries and illnesses for your paid staff.
Helps respond to data breaches and cyber incidents involving donor information and online giving platforms.
Protects funds your organization handles against employee or volunteer theft, often expected by grantors and boards.
We shop our carrier panel to find coverage that fits your mission, instead of fitting your nonprofit into one company's box.
Boards, volunteers, events, and vulnerable populations carry exposures that standard small-business policies often miss.
Through our We Care program, giving back to Michigan is part of who we are, so supporting local nonprofits comes naturally.
A local agent who knows your organization helps at renewal, at claim time, and whenever your programs change.
For most organizations, it is one of the most important coverages to consider. D&O helps protect the personal assets of the board members and leaders who volunteer their time, responding to claims tied to their decisions. Many qualified volunteers expect it before joining a board. Coverage is subject to underwriting.
Volunteers can create real liability exposure, and the right general liability and auto coverages can extend protection to them. The details depend on your activities and policy, so it is worth reviewing with a local agent.
Often yes. Event and special-event liability, and in some cases liquor liability, can protect your organization while you host fundraisers and community gatherings. Talk with an agent before your next event.
Request a business quote or call (800) 686-8664. A local Top O' Michigan agent will learn about your mission and activities and compare options across our carrier panel. Coverage is not bound or altered until confirmed by an authorized representative.
Coverage descriptions on this page are general summaries and are subject to the terms, conditions, and exclusions of the actual policy. Availability and eligibility are subject to underwriting. Insurance coverage is not bound or altered until you receive confirmation from an authorized representative. Contact a Top O' Michigan agent for details specific to your organization.
Tell us about your organization and a local agent will compare carriers for you.
