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Insurance for Non-Profits and Churches

Coverage built around volunteers, boards, buildings, and the programs your community depends on.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Why Organizations Choose Us

Insurance that keeps up with the mission

Nonprofit coverage has to account for volunteers and boards, not just paid staff and a building.

Written for volunteer work

Coverage that addresses how volunteers actually serve rather than treating them as employees or ignoring them.

Built around your programs

Direct service, youth programs, transport, and facility use each shape what the program needs to cover.

Local help for the board

Certificates, grant requirements, and coverage questions handled by a team you can reach.

Who We Work With

Built for organizations of all kinds

That same practical approach works across a wide range of organizations, from single congregations to agencies running multiple programs and facilities.
  • Faith & Community
  • Churches & Congregations
  • Community & Senior Centers
  • Churches & Congregations
  • Community & Senior Centers
  • Direct Service
  • Food Pantries & Shelters
  • Social Service Agencies
  • Youth & Recreation Programs
  • Food Pantries & Shelters
  • Social Service Agencies
  • Youth & Recreation Programs
  • Arts & Institutions
  • Arts & Cultural Organizations
  • Museums & Historical Societies
  • Foundations
  • Arts & Cultural Organizations
  • Museums & Historical Societies
  • Foundations
Do not see your organization? We insure many other nonprofits throughout Central and Upstate New York.

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The Nonprofit Program

Coverage organizations carry

Four coverages do the heavy lifting on nearly every nonprofit program. The rest get added as programs grow into them.

Core Coverage

General liability

Members, visitors, volunteers, and everyone your programs bring through the door.

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Directors and officers

The people who serve on your board, covered for the decisions they make.

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Workers' compensation

Paid staff, and how volunteers are treated on the policy.

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Commercial property

The building, the contents, and what it takes to keep programs running.

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Additional Coverage

Commercial auto

Vans, buses, and vehicles volunteers drive.

Professional liability

Counseling, case management, and advisory programs.

Cyber liability

Donor records and the systems that hold them.

Commercial umbrella

The excess limits grants and facility use require.

Know Before You Renew

Make sure your coverage matches the commitment

Obligations come from state law, from your own bylaws, and from the funders and landlords your organization answers to.
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How volunteers are covered

General liability commonly extends to volunteers acting for the organization. Workers' compensation generally does not unless coverage has been elected, and that distinction matters at claim time

Board protection under your bylaws

Most bylaws obligate the organization to indemnify board members. Directors and officers coverage is what allows the organization to meet that commitment

Grant and facility requirements

Funders and landlords set required limits and additional insured status as a condition of the award or the lease

Need a certificate for a grant or a facility? Call 315-598-6000 with the details and required wording.

Understanding Your Premium

What actually moves your insurance cost

Nonprofit premiums are built from what your programs do and who carries them out. The more accurately those details are represented, the easier it is to make sure you are paying for the right risk.
  • Your Operations

Services you provide

Direct service, youth programs, and transport each carry distinct exposure.

  • Your People

Paid staff and volunteers

Headcount and how the workforce is structured shape several lines at once.

  • Your History

Claims and loss experience

Employment and board-related claims carry the longest tail.

  • Your Building

Facility and rentals

Outside groups using your space change the liability picture.

  • Your Vehicles

Values and business income

Replacement cost on equipment plus what the floor earns while it is down.

  • Your Funding

Revenue and grant sources

The base figure many lines rate from, and the source of many requirements.

Before You Renew

A better premium often starts with better information.

We review volunteer roles, program descriptions, vehicle use, facility agreements, and grant requirements before assuming the answer is simply another carrier.

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Good To Know

Non-Profits and Churches insurance FAQs

Quick answers to common questions from New York nonprofits and congregations.
At minimum: general liability, directors and officers coverage for the board, workers’ compensation and DBL for paid staff, and commercial property on the building and contents. Organizations running transport or direct service programs usually need coverage written for those specifically.
It depends on the line and how the policy is written. General liability commonly extends to volunteers acting for the organization. Workers’ compensation generally does not unless coverage has been elected.
Because claims name individuals. Employment decisions, financial oversight, and governance disputes fall outside general liability, and board members serve without compensation but not without exposure.
They should carry their own coverage and name your organization on it. A facility use agreement is what makes that enforceable, and we can tell you what to require in it.

Local To Your Community

Six offices across Central and Upstate New York

Local advisors understand the congregations, the community centers, and the neighborhoods your programs serve. Find guidance in your area:
Oswego County
Northern Oswego & Tug Hill
Oneida County
Syracuse & Onondaga County
Wayne County
Finger Lakes Region
Rochester & Monroe County
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY