NONPROFIT INSURANCE — OHIO
Nonprofit insurance in Ohio.
Protect your mission,
your board, and your volunteers.
Ohio nonprofits and 501c3 organizations face real liability — from board decisions to volunteer activities to special events. Directors and officers coverage, general liability, and volunteer protection are the foundation of any nonprofit insurance program. Myers Insurance Group has been insuring Ohio nonprofits since 2008.
Nonprofits face liability that standard commercial policies don't address.
Ohio nonprofits operate with unique liability exposure — board members making governance decisions, volunteers acting on behalf of the organization, special events open to the public, and professional services delivered to vulnerable populations. Standard commercial general liability policies address premises liability and basic third-party claims. They don't address directors and officers liability, volunteer coverage, or the specific risks of nonprofit operations.
Directors and officers liability is the most commonly missing and most important coverage for Ohio nonprofits. Board members who serve your organization can be personally sued for decisions they make in their governance role — even when those decisions were made in good faith. D&O coverage protects your board members personally, which is essential for recruiting and retaining qualified leadership.
Myers Insurance Group builds Ohio nonprofit insurance programs that protect your mission, your leadership, your volunteers, and the people you serve.
What most Ohio nonprofits are missing
No directors and officers coverage. Board members can be personally sued for governance decisions. Without D&O, your board members are personally exposed — and recruiting qualified board leadership becomes significantly harder.
No volunteer coverage. Volunteers acting on behalf of your organization create liability exposure. Standard GL policies may not extend coverage to volunteer activities — dedicated volunteer coverage fills this gap.
Special events exposure. Fundraising events, galas, 5Ks, and community events create specific liability exposure — especially when alcohol is served. Special event coverage is separate from your standard GL policy.
Employment practices liability. Nonprofits employ staff and manage complex volunteer relationships. Harassment, discrimination, and wrongful termination claims are as common in nonprofits as in any other employer.
Nonprofit coverage in Ohio.
A complete Ohio nonprofit insurance program protects your organization, your leadership, your volunteers, and the people you serve.
Directors & Officers (D&O)
Covers board members against personal liability from governance decisions. Your most important nonprofit coverage — and the one most commonly missing. Essential for recruiting and retaining qualified board leadership.
General Liability
Covers third-party injury, property damage, and premises liability. The foundation of any nonprofit policy — covers your office, your events, and your program locations.
Volunteer Coverage
Covers volunteers acting on behalf of your organization against injury and liability claims. Standard GL policies may not extend to volunteer activities — this coverage fills that gap.
Professional Liability
Covers claims from your professional services — counseling, social services, job training, housing assistance. Nonprofits delivering professional services to vulnerable populations need this coverage.
Special Event Coverage
Covers fundraising events, galas, 5Ks, and community events. Includes liquor liability when alcohol is served. One incident at an uninsured fundraiser can generate claims that exceed your annual budget.
Employment Practices Liability
Covers harassment, discrimination, and wrongful termination claims from employees and volunteers. Nonprofit employment relationships — including with volunteers — create the same EPLI exposure as any employer.
Commercial Property
Covers your office, equipment, furniture, and program materials against fire, theft, and covered perils. Important for nonprofits with dedicated office or program space.
Abuse & Molestation Coverage
Essential for nonprofits serving children, vulnerable adults, or providing residential services. Standard GL policies exclude abuse and molestation claims — this coverage is non-negotiable for organizations working with vulnerable populations.
Cyber Liability
Covers donor data breaches, ransomware, and data loss. Nonprofits collect sensitive donor and client data — a breach affecting donor financial information carries significant notification and legal costs.
Nonprofit insurance in Ohio — what you need to know.
Can board members be personally sued for decisions they make for the nonprofit?
Yes. Board members of Ohio nonprofits can be personally named in lawsuits alleging that their governance decisions harmed the organization, its employees, its donors, or the people it serves. Even decisions made in good faith and with the best intentions can generate D&O claims. Directors and officers coverage protects your board members personally — and without it, serving on your board represents a personal financial risk that many qualified professionals won't accept.
Our volunteers aren't employees — do we still need coverage for them?
Yes. Volunteers acting on behalf of your organization create liability exposure for the organization — if a volunteer causes injury to a third party while performing volunteer duties, the nonprofit can be held liable. Standard GL policies may not extend coverage to volunteer activities. Volunteer liability coverage specifically addresses this gap and protects both the volunteer and the organization for covered incidents during volunteer service.
We're a small nonprofit with a tiny budget — do we really need all of this?
The size of your budget doesn't reduce your liability exposure — it increases the financial impact of an uncovered claim. A small nonprofit hit with an uninsured D&O claim or a major event liability claim can face costs that exceed its entire annual operating budget. We build nonprofit insurance programs scaled to your organization's size and activities — not every nonprofit needs every coverage, and we help you prioritize based on your specific operations and risk profile.
We serve children — what special coverage do we need?
Abuse and molestation coverage is non-negotiable for any nonprofit serving children. Standard GL policies exclude abuse and molestation claims entirely. For nonprofits running after-school programs, youth sports leagues, summer camps, or any program with regular child contact, this is your highest-stakes liability exposure. Volunteer screening, background checks, and proper supervision policies reduce your risk — but they don't replace the coverage you need when a claim arises despite those precautions.