Insurance for Arizona Nonprofits
Reviewed by Lee Benson, licensed Arizona broker · Updated
Arizona nonprofits may need general liability for programs, directors and officers liability for board decisions, and separate review of employment, volunteer, property and professional risks. Start with what your organization actually does and its written grant, lease and event requirements. A nonprofit label alone does not determine coverage.
Send BrokerPro your program description, current policies and contract requirements. We can help compare options and explain exclusions, deductibles and who is insured. Availability and terms depend on underwriting; this guide does not establish coverage for a particular activity or claim.
Common risks
Match the insurance review to the people and programs involved:
- Visitor injuries at facilities, fundraisers and off-site programs
- Allegations about board decisions, governance or employment practices
- Volunteer injuries, volunteer-caused damage and driving on the organization's behalf
- Professional services such as counseling that need their own liability review
- Abuse allegations in programs serving children or vulnerable adults
- Donor records, payment information and owned or borrowed equipment
Recommended coverage
Consider these separately; one package may not include them all:
General liability
review premises, events, program activities and exclusions
Directors & officers
review who is insured for alleged wrongful management acts
Employment practices liability (EPLI)
check employment allegations separately from D&O
Professional and abuse liability
confirm the actual services, participants and exclusions
Volunteer accident and auto
review injury benefits and driving separately from liability protection
Property and cyber
consider equipment, premises and donor or payment data
What landlords, clients, and contracts commonly require
- Send the venue agreement, event dates, expected attendance and any alcohol or transport activities
- Provide grant and lease insurance clauses, requested limits and additional-insured wording
- List the legal entity, board, staff and volunteers, including who provides professional services
- Include youth-program screening and supervision procedures, current policies and claims history
Frequently asked
Where should a small Arizona nonprofit start?
List your programs, premises, people and written obligations before choosing policies. Compare general liability with the board, employment and professional risks that it may exclude. A venue certificate request is a starting point for review, not proof that every program is insured.
How much should we budget for nonprofit insurance?
The Hartford reports about $836 a year, or $70 a month, for a Business Owner's Policy among its nonprofit business customers. That is not an Arizona quote or a price for a complete nonprofit program. Activities, payroll, claims, property, limits and separate D&O, EPLI or abuse coverage can change the total substantially. Request terms for your own organization.
Does nonprofit D&O automatically include employment claims?
No. EPLI is not automatically included in every nonprofit D&O policy. Check the insuring agreement, definitions, exclusions, limits and deductibles for employment allegations. Ask who is insured and how defense costs are handled rather than relying on the package name.
Are volunteers insured for injuries and driving?
Review whether volunteers are insured while acting for the organization. Liability for harm to others differs from volunteer accident benefits for a volunteer's own injury. Driving requires a separate auto review, including personal vehicles used for nonprofit work. Do not assume a general liability or personal auto policy answers every exposure.
What should a youth-serving nonprofit check before an event?
Disclose participants' ages, activities, supervision and screening procedures. Review abuse exclusions, professional services, off-site events and any transport with the broker. Compare the venue's requested certificate and endorsements with the actual policy; coverage and availability are subject to underwriting and policy terms.