You help others. We help you with your insurance.
Non-profit insurance for your business.
Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you obtain a non-profit insurance policy that covers your organization’s unique needs.
Non-Profit Insurance in South Carolina
Nonprofit organizations carry unique risks, responsibilities, and exposures that most standard business policies don’t fully address. Whether you serve vulnerable populations like children or the elderly, manage volunteers and employees, or oversee valuable property and data, your organization needs the appropriate coverage to stay compliant and operational.
At C.T. Lowndes & Co., we understand the insurance needs of nonprofit organizations, churches, community groups, and foundations.
With tight budgets, dedicated board members, and a mission-first focus, you need a local agency to help you with your insurance needs so you can focus on the work that matters most.
Support your mission with the right nonprofit insurance coverage. Speak with C.T. Lowndes & Co. today.
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Directors and Officers Insurance
Risk Factor
What happens if a board member invests the non-profit's assets unwisely and loses everything? A creditor might sue the non-profit as well as its directors and officers. Non-profit organizations are not immune to lawsuits. It’s possible someone may disagree with the way you run the organization and file suit. Oftentimes, non-profits don't have deep pockets to fight these types of lawsuits, therefore putting the organization at risk.
Solution
Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.
General Liability Insurance
Risk Factor
Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen that make your non-profit susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.
Solution
General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.
Workers' Compensation
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Commercial Property Insurance
Risk Factor
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your organization.
Solution
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Employment Practices Liability Insurance (EPLI)
Risk Factor
On average, it's estimated that three out of five businesses will be sued by their employees. Claims can stem from just about anything, such as someone taking a joke the wrong way and being offended. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.
Solution
The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.
Business Income Insurance
Risk Factor
What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Solution
Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as a data breach or cyber attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
Professional Liability
Risk Factor
Lawsuits can happen to anyone, and the damages can be hefty whether you win or lose. Even if you’ve done nothing wrong, you’ll need to defend yourself. So regardless of whether a contract requires it, without professional liability coverage, you could be putting your business’ future at risk.
Solution
Similar to directors and officers liability insurance, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment. It covers not only directors and officers, but also staff, volunteers, and the non-profit organization itself.
What Is Non-Profit Insurance?
Non-profit insurance is a set of policies designed to protect nonprofits, their leaders, volunteers, employees, and resources from financial loss.
Because most nonprofits rely on grants, community donations, and programs to operate, even a single accident, lawsuit, or property damage claim can threaten the entire mission.
A nonprofit insurance policy helps indemnify your organization against:
- Liability claims (bodily injury, allegations, property damage, litigation)
- Governance and management risks involving directors and officers
- Accidents or negligence involving volunteers or employees
- Cyber breaches, data loss, or fraud
- Property losses, equipment damage, or building repairs
- Client incidents, including those involving vulnerable populations
The goal is simple: ensure your organization stays protected, insured, and able to continue serving your community.
Who Needs Non-Profit Insurance?
Most nonprofits, regardless of size, need a combination of liability and property protection. This includes:
- Charitable organizations
- Churches and faith-based organizations
- Youth programs and after-school organizations
- Senior and elderly service groups
- Community outreach organizations
- Educational nonprofits
- Arts, cultural, and historical organizations
- Foundations and grant-based organizations
- Clubs, associations, and membership organizations
If your organization works with volunteers, collects donations, serves vulnerable populations, manages events, or owns property, you likely need nonprofit insurance coverage to reduce risk and protect your mission.
What Does Non-Profit Insurance Cover?
Every nonprofit is different, which is why C.T. Lowndes helps your organization with insurance solutions to match your nonprofit needs. Policies may include:
General Liability Insurance
Protects against bodily injury, property damage, and claims that arise from your daily operations, events, or activities.
Directors & Officers (D&O) Insurance
Covers board members, directors, and officers against allegations of mismanagement, negligence, governance issues, or failure to meet responsibilities.
Property Insurance
Covers damage to buildings, equipment, supplies, and other assets. This includes losses from fire, theft, vandalism, or weather-related events.
Professional Liability Insurance
Protects your organization from claims of errors or negligence in the services you provide, especially important for nonprofits offering counseling, training, or advice.
Cyber Liability Coverage
Protects your organization from data breaches, stolen donor information, fraud, and cyberattacks.
Workers’ Compensation
For employees injured on the job. Many nonprofits rely heavily on employees and volunteers; this coverage keeps everyone protected.
Volunteer Accident Coverage
Helps cover medical expenses for volunteers injured while serving your mission.
Commercial Auto (If Applicable)
Covers car accidents or liability involving vehicles owned or operated by the organization.
Employment Practices Liability Insurance (EPLI)
Protects your organization from employment-related claims such as discrimination, harassment, wrongful termination, or wage disputes.
Board & Governance Risk Management
We help nonprofits identify risks early, create a risk management plan, and put tools in place to protect your organization and improve oversight.
Your nonprofit works hard to serve your community. Let C.T. Lowndes ensure you’re properly covered, protected, and supported.
Get an Insurance Quote for Your Non-Profit
For more than 175 years, C.T. Lowndes & Co. has helped countless South Carolina organizations get the right coverages, keeping their employees, volunteers, and communities safe.
With a 4.8-star customer service rating, our agency is trusted by nonprofits across the state who depend on us for clear guidance, ongoing support, and protection they can count on.
Your mission deserves the strongest protection. Let’s keep your organization secure so you can stay focused on the work that matters most.
Request your non-profit insurance quote from C.T. Lowndes & Co.
Get Started Today
As an independent agency, we are here to help you find the right Non-Profit Insurance coverage.
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Non-Profit Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
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- Review options with an agent.
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