Non-Profits

Nonprofit organizations serve vital roles in our communities, but they face insurance challenges that are fundamentally different from for-profit businesses. Volunteers who are injured on the job may not be covered under standard workers compensation policies. Special events, fundraisers, and community programs create liability exposures that can catch organizations off guard. And the leadership of a nonprofit — its board of directors and officers — can face personal liability for decisions made on behalf of the organization. In New York State, nonprofits must also navigate complex regulatory requirements around employment practices, volunteer management, and charitable solicitation. A claim alleging wrongful termination, discrimination, or mismanagement of funds can be financially devastating — and reputationally catastrophic — without the right coverage in place. Gillespie Insurance Agency works with nonprofit organizations of all types and sizes throughout Central New York, from community service organizations and food banks to arts nonprofits and advocacy groups. We understand the budget constraints nonprofits operate under and work to find the most cost-effective coverage solutions.

A comprehensive nonprofit insurance program typically starts with a general liability policy that covers bodily injury and property damage claims arising from your operations and events. Directors and officers (D&O) liability insurance protects board members and executives from personal liability for decisions made in their organizational roles. Employment practices liability (EPL) coverage addresses claims of discrimination, harassment, and wrongful termination. If your organization has paid employees, New York State requires workers compensation and disability benefits coverage. Volunteer accident coverage can fill the gap for volunteers who are injured while serving your organization. For nonprofits that handle client data or conduct activities involving vulnerable populations, professional liability and cyber insurance are also important considerations. Many insurers offer packaged nonprofit programs that bundle these coverages at competitive rates. As an independent agency, we have access to specialty carriers that specifically serve the nonprofit sector and understand the unique risks involved.

We understand that every dollar matters for a nonprofit organization. At Gillespie Insurance Agency, we take a consultative approach to nonprofit insurance — asking the right questions about your programs, volunteers, events, and financials to make sure there are no gaps in your coverage without overpaying for what you don't need. Our team has worked with a wide variety of nonprofit organizations in Central New York, and we bring that experience to every new client relationship. We shop your coverage across multiple carriers to find the best value, and we provide ongoing support throughout the year — from certificates of insurance for grant requirements to claims assistance when you need it most. Reach us at (315) 252-0694 or stop by our Auburn, NY office. We are proud to support the organizations that make Central New York a stronger community.