The non-profit insurance coverage basics.

How do I decide on what to protect with my non-profit business?

At Stewart Morrison Insurance, our non-profit insurance experts will review your needs and recommend the right coverage to protect your assets:

Non-profit and Charitable organizations face unique risks in services being provided. We make sure you and your organization have the coverage you need so you can focus on the mission dedicated to serve.

Yoursurance: What you should protect for your non-profit business


Coverage for loss or damage to your buildings if you own it as a result a claim such as fire, wind, water, theft and other unexpected incidences.

Commercial Liability

Protects your organization, employees and volunteers against claims by others for bodily injury, property damage or personal injuries that arise from your groups activities.

Business Vehicles

Coverage for vehicles used or registered to your business. This allows your employees or others to drive with coverage for liability, accident benefit collision, comprehensive, loss of use, should an accident occur.

Non-Owned Auto

Coverage for you and your employee drivers for liability, and your vehicle for damages, should an accident occur during business use.

Stock, Equipment & Contents

Protecting your company assets against damage, loss and theft of your property like POS systems, computers, furniture, and inventory.

Cyber Risk

Designed to help in recovery of retail software containing customer data, and lawsuits associated with breach of information.

Board Member Accident

Coverage for board members in the event of an accident causing accidental death or dismemberment, while carrying out their board duties.

Directors & Officers

Provides organization and board members protection from exposure resulting from lawsuits against, and risks associated, with managing the organization.

Errors and Omissions:

Coverage to protect yourself against claims related to your delivery of professional services, and/or advice.