Nonprofit insurance, built for your mission
Nonprofits deserve coverage that’s easy to understand, quick to secure, and board‑ready. Summit compares rates and coverages across leading insurers, pairs you with a dedicated account manager, and moves fast when you need answers. citeturn2view0
Who’s eligible for a quick quote?
Some carriers support real‑time quoting for straightforward risks. If your nonprofit fits one of the profiles below, we can often present options quickly; if it’s more complex, we’ll curate a tailored market submission.
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Very small nonprofits: volunteer‑run or a single staff member; simple activities; no prior claims; no U.S. operations or fundraising; limited data exposure.
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Small/mid‑size nonprofits: a few employees; regular programming or events; basic web/email systems; clean or limited claims history; primarily Canadian operations.
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Complex nonprofits: larger headcount; higher‑risk services (e.g., healthcare, vulnerable populations), international or U.S. operations, significant donor data or payment processing, or any prior/severe claims.
Note: Eligibility varies by carrier appetite. We’ll confirm requirements and surface instant‑quote options when available—without naming or steering to a single portal.
Board‑friendly D&O terms to ask for
Your board cares about a handful of provisions that materially affect protection. Use this checklist when reviewing quotes:
| Term | What to confirm | Why boards care |
|---|---|---|
| Defense costs advancement | Costs advanced as incurred, not after final adjudication | Ensures legal counsel can be funded immediately |
| Outside Directorship Liability (ODL) | Coverage extends to service on outside nonprofit boards (when scheduled) | Protects leaders who volunteer beyond your entity |
| Severability and non‑rescission | Individual insureds won’t lose coverage due to others’ misreps; Side A non‑rescission where available | Preserves personal protection for innocent directors |
For broader context on D&O, see our Directors & Officers hub. citeturn2view0
Minimal intake (5 items) to get started
Share these basics and we’ll do the rest:
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Mission type (e.g., arts and culture, education, social services, environmental, association)
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Annual operating budget (range is fine)
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Board size (number of voting directors)
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Any U.S. operations, fundraising, staff, or events (yes/no; brief notes)
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Prior claims or incidents in the last five years (yes/no; brief notes)
Optional but helpful: number of employees/volunteers, major programs, and data you store (donor/member, health, payment info).
Keep your board and your data protected
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Directors & Officers (D&O): safeguard leaders against alleged wrongful acts, with options designed for nonprofits. Explore D&O coverage. citeturn2view0
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Cyber: help cover breach response, legal, and notification costs if donor or member data is compromised. Explore Cyber coverage. citeturn2view1
Why nonprofits choose Summit
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Relentless responsiveness when questions or certificates can’t wait. citeturn2view1
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Value through side‑by‑side comparisons of rates and coverages from multiple insurers. citeturn2view0
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Curation and dedicated service so your policy scales with your mission. citeturn2view0
Ready to move forward?
Send the five intake items above. We’ll confirm eligibility, outline any real‑time quote options, and craft a clear, board‑ready recommendation—fast. Then we’ll help you bind, issue certificates, and set up claims support so you can stay focused on impact.