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Oracle RMS Insurance

Nonprofit & Charity Insurance

Industry Insurance — Oracle RMS Insurance

Nonprofit & Charity Insurance

Insurance for nonprofits, charities, and social service organizations — protecting your mission and your people.

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Nonprofit and charitable organizations face many of the same insurance exposures as for-profit businesses — liability claims, property losses, and employment disputes — but often with fewer resources to absorb them. Directors and officers of nonprofits can be held personally liable for governance decisions. Oracle RMS works with nonprofits and charities of all sizes to build insurance programs that protect their mission, their people, and their assets.

Who needs this coverage?

Registered charities, nonprofit corporations, social service organizations, community associations, religious organizations, foundations, arts organizations, sports clubs, and any organization operating on a not-for-profit basis.

Key coverages

  • Directors & officers liability
  • Commercial general liability
  • Volunteer liability
  • Employment practices liability
  • Commercial property
  • Business interruption
  • Cyber liability
  • Crime and employee dishonesty
  • Sexual abuse and molestation liability

Frequently Asked Questions

Do nonprofit board members need D&O insurance?
Yes. Nonprofit directors and officers can be held personally liable for governance decisions — including financial mismanagement, employment disputes, and regulatory non-compliance. D&O insurance protects board members' personal assets and is essential for any nonprofit with a board.
Are volunteers covered under a nonprofit's insurance?
Standard CGL policies may not automatically cover volunteers. Volunteer liability coverage extends the organization's liability protection to volunteers acting on behalf of the organization. It is important to confirm that your policy explicitly covers volunteer activities.
What is crime insurance for nonprofits?
Crime insurance (also called fidelity or employee dishonesty coverage) covers losses from theft, fraud, or embezzlement by employees or volunteers. Nonprofits are unfortunately frequent targets for internal fraud, and crime coverage is essential for organizations that handle cash or donations.
Do nonprofits need cyber liability insurance?
Yes. Nonprofits collect donor data, client information, and employee records that are subject to privacy laws. A data breach can result in significant costs for breach response and regulatory fines. Cyber liability is increasingly important for nonprofits of all sizes.
Are there special insurance programs for nonprofits?
Yes. Several insurers offer nonprofit-specific insurance programs that combine D&O, CGL, property, and other coverages at rates designed for the nonprofit sector. Oracle RMS can access these programs and help you find the most cost-effective solution for your organization.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.