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Lines of Coverage

At S. Wolf & Associates we will get to know your organization’s mission and vision. We offer a full spectrum of insurance solutions tailored to meet the needs of every nonprofit organization.

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Property and Casualty

From protecting your facilities to covering everyday operations, our Property & Casualty solutions are built with the unique needs of nonprofits in mind. Whether you run a community center, a shelter, or an educational program, these policies help safeguard your organization’s assets, people, and mission. We offer comprehensive packages that include liability protection, property coverage, and workers compensation — so you can focus on serving your community with confidence.

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Management Liability

  • D&O insurance protects your nonprofit’s board members and executive leadership from personal liability related to decisions they make on behalf of the organization. If your leadership is sued for things like mismanagement of funds, breach of fiduciary duty, or failure to follow bylaws, D&O coverage helps cover legal costs and settlements — so your board can lead with confidence.

  • EPLI provides protection against claims made by employees, volunteers, or job applicants related to employment practices. This includes allegations of wrongful termination, harassment, discrimination, or retaliation. For nonprofits, where resources are limited and HR structures may be lean, EPLI helps manage the financial and reputational risks of workplace-related disputes.

  • Fiduciary liability coverage protects those who manage employee benefit plans — like retirement or health benefits — from claims alleging errors in plan administration or breaches of fiduciary duty. If your organization offers benefits and someone claims they were mishandled, this policy helps cover defense costs and potential damages.

Package Coverage

  • General liability insurance protects your organization from claims involving bodily injury, property damage, and personal injury that occur on your premises or as a result of your operations. It’s foundational coverage that helps nonprofits handle common risks — from a visitor tripping at an event to accidental property damage during programming.

  • Also known as Errors & Omissions (E&O), this coverage protects against claims arising from professional services or advice your organization provides. If someone alleges negligence, misrepresentation, or a mistake in your work — even if unfounded — professional liability helps cover legal defense and settlements.

  • This critical coverage helps protect your organization in the event of claims involving actual or alleged sexual misconduct by staff, volunteers, or others associated with your nonprofit. It provides support for legal defense, settlements, and crisis response — and demonstrates a proactive commitment to safety.

  • If your staff or volunteers use personal or rented vehicles for work-related tasks — like transporting supplies or clients — this coverage steps in to protect your organization from liability in case of an accident. It’s essential for nonprofits without company-owned vehicles but with mobile operations.

  • If your nonprofit hosts events where alcohol is served, liquor liability insurance can help protect against claims of property damage or injury caused by intoxicated guests. It’s especially important for fundraisers, galas, or community events where alcohol is sold or provided.

  • This covers your organization against claims resulting from errors in administering employee benefit plans — like health insurance, retirement, or disability programs. Whether it's a missed enrollment or paperwork issue, this coverage helps manage the legal and financial consequences.

  • If your nonprofit owns and operates vehicles — such as vans, buses, or delivery vehicles — commercial auto insurance provides coverage for accidents, injuries, and damage involving those vehicles. It also includes liability for third-party claims and vehicle repair or replacement.

  • This coverage protects the buildings your nonprofit owns or leases, along with attached fixtures and systems. If your property is damaged by fire, theft, or certain natural disasters, commercial property insurance helps cover repairs or replacement.

  • Business personal property insurance covers the movable assets your nonprofit relies on — including furniture, office equipment, technology, and supplies. If these items are stolen, damaged, or destroyed, this policy helps replace them quickly so operations aren’t interrupted.

  • Inland marine insurance protects valuable equipment, tools, or materials while they’re in transit or temporarily off-site. Ideal for nonprofits that host events, perform outreach in the field, or move gear between locations.

  • If your nonprofit owns or displays artwork, rare books, antiques, or cultural artifacts, fine arts coverage protects these valuable pieces from damage, loss, or theft. It’s essential for museums, cultural centers, and organizations with curated collections.

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Workers Compensation

Workers compensation insurance provides vital protection for your employees and volunteers in the event of work-related injuries or illnesses. It covers medical expenses, wage replacement, and rehabilitation services — helping your team recover while protecting your organization from costly legal exposure. For nonprofits that rely on passionate people, this coverage is not just a requirement — it’s a responsibility.

Key Coverage

  • Cyber liability insurance protects your nonprofit from the financial and legal fallout of data breaches, hacking incidents, and cyberattacks. It covers things like notification costs, data recovery, credit monitoring, and legal defense — essential coverage for organizations that handle donor, volunteer, or client information.

  • This coverage protects your nonprofit from claims related to content you create or services you provide — including copyright infringement, defamation, or misrepresentation. It’s especially important for organizations involved in publishing, public awareness campaigns, or educational programming.

  • Legal liability insurance helps cover the costs associated with lawsuits, whether stemming from third-party claims or internal disputes. It acts as a catch-all layer of protection for legal defense and settlements not covered by other policies.

  • If your nonprofit provides any type of health or medical services — including counseling, first aid, or clinical programs — medical malpractice coverage protects staff and volunteers against claims of negligence or errors in care.

  • Hosting a fundraiser, gala, community fair, or awareness event? Special event insurance protects your organization from liability related to venue damage, injury, cancellation, and other event-specific risks — ensuring your big day doesn’t come with big surprises.

  • This policy provides limited medical coverage for volunteers, program participants, or attendees who are injured during your organization’s activities. It’s a valuable layer of goodwill protection and a buffer before general liability coverage kicks in.

  • If your organization operates or sends staff abroad, foreign liability coverage protects you from legal and medical risks that can arise outside the U.S. It includes liability, property, travel medical, and repatriation coverage for international programs and outreach.

  • Planning a renovation or new construction? Builders risk insurance covers damage to buildings and materials during the construction phase — protecting against weather, theft, fire, and vandalism until the project is complete.

  • If your nonprofit owns a property that is temporarily unoccupied, this coverage protects against risks like vandalism, weather damage, and liability claims — which are often excluded under standard property insurance for vacant buildings.

  • Bonds provide a financial guarantee that your nonprofit will meet certain legal or contractual obligations. Whether required for grant compliance, government contracts, or employee dishonesty protection, bonds build trust and credibility for your organization.

Employee Benefits

Your team is the heart of your organization — and taking care of them is essential. We offer customized employee benefits packages that help nonprofits attract, retain, and support top talent while staying within budget. From health and dental plans to life insurance and retirement options, our solutions are designed to meet the needs of mission-driven organizations without the complexity or cost of traditional corporate plans.

  • Group medical insurance is the foundation of a strong benefits package. It provides your staff access to essential healthcare services, from preventive care to specialist visits and hospital stays. We work with top carriers to find affordable, flexible plans tailored to nonprofit budgets and staff needs.

  • Dental coverage supports routine and major dental care, including exams, cleanings, fillings, and procedures like crowns or root canals. Healthy smiles mean fewer sick days and a happier team — all at a cost-effective group rate.

  • Life and AD&D insurance provide financial protection to an employee’s loved ones in the event of death or serious injury. It’s a compassionate benefit that shows your team you care about their future, and offers peace of mind during life’s most difficult moments.

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  • Long-term disability insurance provides income protection for employees who are unable to work for an extended period due to serious illness or injury. It ensures financial stability when recovery takes months — not weeks — and helps your team maintain their quality of life. Accidental Death & Dismemberment (AD&D) coverage adds another layer of security, offering financial support to employees or their families in the event of a severe accident resulting in loss of life or bodily function. Together, these benefits show your staff that their long-term well-being matters.

  • Vision plans cover annual eye exams, glasses, and contact lenses, and often offer discounts on corrective procedures. It’s a low-cost, high-value addition that promotes well-being and productivity — especially for screen-heavy roles.

  • We also offer a range of ancillary benefits that can be added to enhance your overall package — including flexible spending accounts (FSAs), employee assistance programs (EAPs), wellness incentives, and more. These extras help round out your benefits and make your nonprofit more competitive in recruiting and retention.

Nonprofit Unemployment Savings Program

This program offers eligible nonprofits a cost-effective alternative to paying state unemployment taxes. Instead of contributing to a pooled system, your organization sets aside funds to cover actual unemployment claims — often resulting in significant long-term savings. With expert program management and compliance support, you gain more control over your budget while still protecting former employees and meeting all regulatory requirements.

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