Calgary Non-Profit Insurance

Protect your mission with tailored non-profit insurance

The coverage your Calgary non-profit needs depends on your operations, risk profile, and budget. With the right combination of coverages, you can protect your people, property, and mission from unexpected financial loss.

Common insurance options include:

• Commercial Property Insurance – Protects your buildings, equipment, materials, inventory, and other physical assets if they’re damaged or destroyed by fire, storms, theft, or other insured events.
• Commercial General Liability (CGL) – Covers costs if someone is accidentally injured or their property is damaged while on your non-profit’s premises or due to your services and operations. This can include legal fees and medical expenses.
• Professional Liability Insurance (Errors & Omissions) – If your non-profit provides advice, education, consulting or professional services, this coverage can help if a third party claims financial loss due to errors or omissions.
• Product Liability Insurance – Important for non-profits that produce, distribute, or sell goods; covers injury or property damage claims related to those products.
• Directors & Officers (D&O) Liability Insurance – Shields your leadership team (who are often volunteers) from legal expenses if allegations or lawsuits are brought against the organization or its directors and officers.
• Employment Practices Liability (EPL) – Protects your non-profit organization against claims made by employees related to wrongful termination, harassment, discrimination, or other workplace issues. Some EPL policies extend coverage to volunteers, others may require an additional endorsement.
• Event Liability Insurance & Liquor Liability – Non-profits often host fundraising events, galas, and community gatherings. This coverage helps protect against injury or damage caused during events and is often required by venues.
• Business Interruption Insurance & Extra Expense – Provides financial support if you’re forced to temporarily close due to a covered loss or mandatory evacuation, helping you continue paying bills and meeting obligations.
• Crime Insurance – Covers losses caused by criminal acts, including internal embezzlement, employee theft, fraud, or dishonesty.
• Cyber Insurance & Privacy Breach – Helps you manage and recover from cyber incidents, such as data breaches or hacking, which can be devastating for non-profits handling donor or volunteer information.
• Commercial Vehicle Insurance – If your non-profit owns vehicles, you need commercial auto coverage, including liability, accident benefits, and direct compensation property damage. Additional coverages such as collision and comprehensive are also available for more protection.
• Group Benefits Coverage – Provides your staff with extended health benefits, dental, disability, critical illness, and life insurance, helping you attract and retain talent while caring for your team.

Exactly what’s covered will depend on your organization and its risks. Our insurance brokers will work with you to customize a plan that fits your needs and budget. We’ll also explain every detail, so you know exactly what’s protected.