Insurance for Nonprofits in San Diego


Protecting Your People & Your Mission with Tailored Coverage for 501(c) Organizations


It is crucial for every nonprofit organization to have the right insurance coverage and protect its board members, employees, and assets. H&M Insurance agency specializes in providing comprehensive insurance coverages customized specifically for nonprofits in the San Diego area. Our nonprofit policies include general liability, property damage, directors and officers (D&O), comprehensive auto, and many more. We offer nonprofit insurance policies that are carefully put together to protect your organization from numerous risks and liabilities, enabling you to focus on your mission and operations, without having to worry about possible problems and setbacks. Our team of experienced professionals works closely with you to identify your organization’s special needs and provide custom-tailored coverage addressing specific risks for your organization. With our help, you can have peace of mind knowing that you are well-protected and safe.


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Our independent insurance agency has been serving the community for nearly 50 years, offering extensive expertise and personalized services. Through our strong partnerships with top insurance carriers like Safeco, Travelers, CIG, we provide unparalleled service and comprehensive coverage.

Customized Insurance for Nonprofit Organizations in San Diego, CA

In the world of nonprofit organizations, insurance policy requirements can be very distinctive. H&M specializes in providing tailored coverages addressing the unique needs of 501(c)(3). We understand that charitable organizations, foundations, and advocacy groups face specific challenges and risks which are very different from the ones traditional businesses are facing.

Our agents consult with you to have a clear understanding of your nonprofits’ assets, operations and potential liabilities. Using this acquired knowledge, we assemble customized policies that safeguard every aspect of your organization. You can rest assured that your nonprofit is well-guarded while you focus on making a positive impact within the community.

Nonprofit insurance safeguards from potential claims or litigation threats from vendors, employees, donors, competitors. As every organization has its own specific requirements, coverage has to be comprehensive enough to cover all possible risks. Our agents will build a policy suitable for your establishment.

Many 501(c)(3) organizations opt to start with Business Owner’s Policy (BOP) to protect them from claims and risks. This policy includes three essential coverages:

To further customize your package, we offer various additional protections such as:

  • Commercial auto insurance – includes coverage for bodily injury or property damage caused by personal vehicles or agency-owned autos driven by employees and volunteers.
  • Cyber liability – covers a range of issues: privacy breach, intellectual property infringement, virus transmission, and other web/email-spread issues.
  • Workers’ compensation – covers volunteers if their work causes illness or injuries.
  • Special events – If your organization hosts fundraising events, purchasing a special events policy to reduce liability is essential. It covers claims for bodily injury or property damage.
  • Directors & Officers (D&O) – This policy includes protection against the claims for damages incurred by illegal actions of the directors, trustees, officers, and managers as well as for the agency. Furthermore, directors & officers insurance policy is intended to cover other employment-related acts, like harassment allegations, unjust termination and discrimination.
  • Errors & Omissions insurance – E&O insurance safeguards nonprofit organizations against claims for negligence, inadequacy, and related arguments.
  • Commercial umbrella insurance can supplement your general liability policy, employer’s liability insurance or commercial auto. It provides extra coverage for the amounts that exceed the primary limits.

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Who Needs Nonprofit Coverage?

Nonprofit organizations (NPO) face the same potential risks as any other business. According to Towers Watson Directors & Officers Liability Survey, D&C claims by nonprofits are double of what public or private organizations file. Besides employment-related claims, each 501(c)(3) body is at risk of cyber attacks and data loss, as they compile and maintain huge amounts of data like employee records, financial data, and volunteer information. Furthermore, any NPO with virtual presence which collects donations via the Internet is at high risk for cybercrime or negligence.

In conclusion, every type of nonprofit institution needs to have proper coverage in order to protect its mission, its purpose, its assets, and its people. Some of the following organizations should purchase adequate insurance include:

  • Trade nonprofit institutions
  • Civic nonprofit associations
  • Charitable foundations
  • Churches
  • Educational and scientific associations
  • Business leagues
  • Professional nonprofit associations
  • Prevention of Cruelty to Children or Animals Organizations
  • Political clubs
  • Social and recreational clubs
  • Veterans organizations
Who Needs Nonprofit Coverage

How Much Does Nonprofit Insurance Cost?

Insurance policy costs will vary as each one is custom-tailored according to your requirements. When calculating the price, numerous elements are taken into consideration:

  • Type of Industry
  • Past claims
  • Location
  • Employee/volunteer number
  • Coverage limits

If you want to find out how much your premium would be, the easiest way to find out is to contact us and get a quote. H&M agents will work with you to create a nonprofit insurance policy that will protect you against the risks that could leave your organization vulnerable and exposed.