Non-profit organizations play a vital role in Canadian communities—supporting social services, education, healthcare, arts, and charitable causes. While their missions are purpose-driven, non-profits face real operational risks that make specialized insurance coverage essential.

Key Risks for Non-Profits:

Non-profit organizations may be exposed to:

• Volunteer, staff, or participant injuries
• Property damage to offices, community spaces, or event venues
• Liability claims from members, donors, or the public
• Cyber risks involving donor data and online fundraising
• Auto and travel risks during outreach or transport activities

Even limited budgets can be strained by unexpected claims or disruptions.

What Does Non-Profit Insurance Cover?

Coverage is typically tailored and may include:

• Commercial general liability
• Property and contents insurance
• Directors & Officers (D&O) liability
• Commercial auto and volunteer driver coverage
• Cyber liability and data protection
• Business interruption coverage

Why It’s Essential in Canada:

Canada’s regulatory requirements, public accountability, and reliance on volunteers increase exposure. Proper insurance helps protect leadership, preserve funding, and ensure mission continuity.

Non-profit insurance safeguards what matters most—your people, purpose, and community impact.

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.