Is your public/nonprofit insurance program ready to meet today’s evolving needs?

Public and nonprofit organizations play a vital role within our communities, both locally and on a larger scale. However, with that responsibility comes unique risks. Having the right public and nonprofit insurance coverage protects your organization from financial loss due to lawsuits, property damage, employee injuries, or other unforeseen circumstances.

At World, we understand the challenges you face. Our experienced insurance advisors work with you to create a customized insurance plan that safeguards your mission to serve your community while staying within your budget. Contact us today to begin securing the coverage your organization needs.

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Public/Nonprofit Insurance

Our public/nonprofit insurance team understands your unique risks and will customize a quality program.

Protect Your Business

  • Commercial general liability
  • Commercial umbrella and excess
  • Commercial property insurance
  • Errors & Omissions
  • Equipment breakdown
  • Cyber liability
  • Environmental liability
  • Special event liability
  • Commercial auto and trucking

Protect Your Employees

  • Workers’ compensation
  • Employment practices liability
  • Directors & Officers
  • Management liability
  • Medical and dental insurance
  • Life, disability, and long-term care
    401(k) plans
  • Payroll & HR solutions

Protect Your Volunteers & Patrons

  • Abuse & molestation coverage
  • Assault & battery coverage
  • Crime and active assailant
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The World Difference

World’s public and nonprofit insurance team has decades of experience developing comprehensive risk management programs for a wide range of public and nonprofit organizations.

Our strong partnerships with industry carriers allow us to secure quality coverages at competitive rates and terms. We will partner with you to develop a custom program that protects your unique risks. You can count on an exceptional experience from our very first interaction through ongoing claims resolution and customer support. We prioritize building lasting relationships with our clients and work to make your life easier so you can focus on what’s important—growing your business.

EXCEPTIONAL SERVICE EXPERIENCE

  • Current plan review and consultation
  • Exposure identification and analysis
  • Coverage and cost analysis
  • Loss control services
  • In-house claims advocacy services
  • White-glove customer service experience
  • Direct access to your public/nonprofit insurance team

Public/Nonprofit Clients We Help

  • Churches
  • Arts and cultural organizations
  • Educational institutes/schools
  • Elementary/secondary education
  • Vocational technical education
  • Higher education institutions
  • Graduate/professional education
  • Special needs schools
  • Continuing education
  • Libraries
  • Student services and organizations
  • Medical research organizations
  • National charities
  • Art service organizations
  • Performing arts
  • Humanities organizations
    Foundations
  • Human services organizations
  • Nonprofits
  • International nonprofit organizations
  • Public advocacy organizations
  • Religious organizations
  • Animal welfare and protection
  • Wildlife protection/preservation
  • Natural resource conservation and protection
  • Pollution control services
  • Environmental beautification
  • Environmental education
  • Public health programs
  • Substance abuse dependency, prevention, and treatment
  • Hotline and crisis intervention
    Correctional facilities
  • Youth centers
  • Civil liberties organizations

FAQ About Public/Nonprofit Insurance

What is public/nonprofit insurance?

Public/nonprofit insurance is coverage designed to protect government entities, nonprofit organizations, and any other publicly funded organizations. These organizations face unique risks, including liability issues, property damage, and workers’ compensation claims, which can differ from risks encountered by for-profit businesses. It is common for public and nonprofit entities to be required to meet specific requirements. Common coverages include general liability, professional liability, property insurance, and workers’ compensation. But there are many other considerations, so working with an experienced insurance advisor who understands your industry is critical.

How much does public/nonprofit insurance cost?

The cost of insurance for public and nonprofit organizations varies between organizations based on their unique coverage needs. Factors such as business type, location, organization size, claims history, and the services provided or clients served all play a role. At World, we collaborate with you to assess your specific risks and design a cost-effective insurance plan that protects your organization.

Should freelancers and consultants obtain professional services business insurance?

Yes, consultants and freelancers can greatly benefit from business insurance, as it helps protect them against various risks associated with their work. Professional services insurance can safeguard them from claims of professional liability, false advertising, breach of contract, or accusations of negligence by their clients. But there are many other types of coverage to consider as well. Working with an experienced insurance advisor can help you make the right decisions about your professional services business insurance program.

What does public/nonprofit insurance cover?

Different public and nonprofit organizations require different coverage, but most programs include common protections such as:

  • General Liability – This covers third-party claims of physical injury, property damage, and personal injury, which includes non-physical harm, such as defamation.
  • Property Insurance – This protects buildings, equipment, and other physical assets from damage or loss.
  • Directors & Officers Insurance – Also known as D&O Insurance, this coverage shields leadership from lawsuits resulting from management decisions.
  • Workers’ Compensation – This provides benefits to employees who are injured on the job.
  • Cyber Liability – It is intended to protect your organization from any data breaches or cyberattacks that could lead to privacy violations.
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