Insurance for Non-Profits That Protects the Mission
Serving Those Who Serve Others in Germantown, MD
Your nonprofit gives back — and we’re here to protect that good work. At CF Alliance, we help mission-driven organizations find tailored insurance coverage that fits their people, operations, and impact. From liability and property protection to specialized policies for directors, volunteers, and fundraising events, we’re proud to support Maryland’s non-profit community with honest guidance and policies that care.
What Your Policy Should Cover
General Liability Coverage
Protects your organization against claims of bodily injury or property damage that may occur during day-to-day operations. This coverage is foundational — whether you host events, run a food pantry, or offer community programs.
Directors & Officers (D&O) Liability
Covers legal expenses and settlements if board members, officers, or decision-makers are personally named in a lawsuit. It helps attract qualified leadership by reducing their personal risk.
Property & Equipment Coverage
Insures physical assets like office space, furniture, computers, or donated goods. Whether you rent or own, this coverage helps your nonprofit recover after fire, theft, vandalism, or natural disasters.
Volunteer Accident Coverage
Offers limited medical coverage if a volunteer is injured while working for your organization. It’s a great way to show you value and protect those who serve with you.
Event Liability Insurance
Provides short-term coverage for fundraising events, galas, or community gatherings — protecting your nonprofit from unexpected accidents or claims.
Cyber Liability Protection
Covers costs if donor data, financial records, or internal systems are compromised in a breach. This is increasingly essential for nonprofits managing sensitive digital information.
Add‑Ons That Matter
Depending on your nonprofit’s size and scope, these options can help:
Employment Practices Liability (EPLI)
Covers legal fees from employment-related claims such as wrongful termination, discrimination, or harassment.
Abuse & Molestation Coverage
Offers protection against claims of inappropriate behavior, particularly important for organizations serving children or vulnerable adults.
Business Auto for Nonprofits
Covers vehicles used for service delivery, outreach, or transportation — including volunteer or staff drivers.
Why It Matters
Because Every Dollar and Every Volunteer Counts
Running a nonprofit means balancing service and stewardship. Insurance helps you protect your resources, your reputation, and your people — so you can focus on the mission. CF Alliance is here to simplify the process and help you choose coverage that’s cost-effective, clear, and compassionate.
What You Need to Know About Nonprofit Insurance in Maryland
Do all nonprofits need insurance?
Yes — even small or volunteer-run nonprofits need basic liability coverage to protect their organization, staff, and board members from unexpected risks.
Is insurance required to host public events?
Often, yes. Venues and cities frequently require nonprofits to show proof of liability insurance to host fundraisers, fairs, or other public events.
Can I insure donated property or equipment?
Absolutely. Donated goods — like office furniture, technology, or vehicles — can be included in your nonprofit’s property policy.
Are volunteers covered under my nonprofit’s insurance?
Not always. You'll need to include specific volunteer coverage or add-on policies to ensure they’re protected during service.
How much does nonprofit insurance cost?
It depends on your size, services, number of staff/volunteers, and risks involved. We’ll help you compare options and find a policy that fits your budget.
Let’s Protect the Work That Matters Most
You focus on making an impact. We’ll make sure you’re protected along the way. Talk to our team about nonprofit insurance that’s built for Maryland mission-based organizations.