Non-Profit Organization (NPO) Insurance

From volunteers to the community, we adapt to your needs

Each organization pursues its own mission and operates with very specific responsibilities, activities, and risks.

Whether you are a community organization, an association, a foundation, or a sports, cultural, or charitable organization, at Assurancia Groupe Tardif, our experts take the time to understand your needs in order to offer you tailored insurance solutions to protect your organization, your directors, your volunteers, your property, and the continuity of your activities.

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Your peace of mind, our protection

Each organization has its own mission, activities, and responsibilities. Discover certain protections tailored to your needs to protect your organization, your directors and officers, your employees and volunteers, your property, and the continuity of your activities.

Civil Liability

In the course of your professional activities, an incident can sometimes result in property damage or injury to a third party, despite all precautions taken. Liability insurance can protect you in the event of a claim arising from a covered event and help cover the costs that may result.

Building, Property, and Equipment Insurance

This protection covers your offices and other facilities against covered risks, such as fire, certain water damage, wind, or vandalism. This protection can also cover your computer equipment, servers, office furniture, and other property essential to your activities when damaged by a covered event.

Business Interruption Insurance

When a covered loss results in a slowdown or temporary halt of your activities, the consequences can quickly accumulate. Business interruption insurance can help support your non-profit during this period while awaiting the resumption of your operations.

Errors and Omissions Related to Professional Liability

This coverage protects your non-profit against certain claims arising from an alleged error, omission, or negligence in the provision of your services, when this protection is offered.

Directors and Officers Liability (D&O)

This protection protects your non-profit as well as its directors and officers against certain claims arising from decisions, acts, or omissions committed in the exercise of their management functions, when this protection is offered.

Document and Data Protection

Documents, client files, and digital data are at the heart of your activities. This protection can cover certain professional documents, client files, and data essential to your operations, depending on the coverage selected.

Cyber Risk Insurance

Technology and data play an essential role in the activities of many businesses. A cyberattack, hacking, or data breach can result in service interruptions, financial losses, and significant impacts on your operations. Cyber risk insurance can help cover certain costs related to data recovery, crisis management, business interruptions, and claims arising from a covered IT incident.

Other Protections

Depending on the needs of your non-profit, several complementary protections can be added to your policy. For example, replacement cost coverage allows the replacement of certain eligible property or equipment without taking into account their depreciation, according to the terms provided in the policy. Extra expense coverage can cover certain expenses incurred to maintain your activities or resume your operations more quickly after a covered loss.

Your Professional Services Insurance Questions

Our teams answer your most frequently asked questions to help you better understand the available protections and choose solutions adapted to your needs.

Why does a non-profit need tailored insurance?

Even if it does not pursue a commercial objective, a non-profit can be exposed to several risks related to its activities, its employees, its volunteers, its events, or its responsibilities toward the public. Tailored insurance protects the organization and ensures the continuity of its mission when the unexpected occurs.

Can the directors and officers of a non-profit be held personally liable?

In certain situations, decisions made in the course of their duties can engage the liability of directors and officers. Directors and officers liability (D&O) insurance can help protect them against certain claims related to the management of the organization.

Are the volunteers of our organization covered by our insurance?

It depends on the policy and the activities performed. Since volunteers often play an important role within non-profits, it is essential to verify that your insurance takes into account their participation and the responsibilities that may result.

Is our non-profit covered during special activities or events?

Fundraisers, festivals, sports activities, community events, and other gatherings can present different risks from your usual activities. Your broker can verify whether your current policy covers them or whether additional protection is necessary.

Do we need cyber risk insurance?

If your organization collects or stores personal information about its members, donors, employees, volunteers, or beneficiaries, a cyberattack or confidentiality breach can have significant consequences. Cyber risk insurance can offer protections tailored to this type of incident.

Should our non-profit's insurance be reviewed when our activities evolve?

Yes. The addition of new services, employees, volunteers, premises, events, or equipment can change your needs. It is recommended to regularly review your protections with your broker so that they remain adapted to the reality of your organization.

The advantage of our Assurancia Groupe Tardif business brokers

As one of the largest brokerage firms in Quebec with a team of over 120 brokers across 9 branches, our firm is dedicated to property and casualty insurance. We offer a simple, effective, and transparent approach to our insurance services.

Count on Our Experts

On the other end of the line, reach our specialists who support you by adapting to your needs to offer you the best coverage suitable for your business.

Access Multiple Insurers

Our experts have access to a vast network of insurers, to obtain the insurance products that best meet your needs.

Save Time

Our professionals shop and compare multiple quotes for you to save you time and find the most suitable insurance solutions.

Get the best value for money

Our brokers research and negotiate the insurance products best suited to your needs, while ensuring excellent value for money.

Have Confidence

Our team holds multiple certifications and rigorously complies with industry guidelines, such as the Autorité des marchés financiers (AMF), the Autorité des marchés publics (AMP), and the Registered Insurance Brokers of Ontario (RIBO), ensuring your interests are protected.

Benefit from proximity

Thanks to our presence in communities and the values that unite us, we understand your reality and remain accessible when you need us.

Leverage Sectoral Expertise

Our team of brokers possesses in-depth knowledge based on the different business sectors we serve, ensuring you get the best coverage options to protect your business optimally.

Get support during a claim

When the unexpected happens, your broker is by your side. They will support you through every step of your claim, answer your questions, facilitate your procedures, and ensure your file is handled with all the attention it deserves.

The AGT Blog

Here are practical tips, useful tools, and clear explanations to answer your everyday questions.

Request a quote tailored to your needs

Our business brokers, with their sector expertise, take the time to understand your business reality to offer you coverage tailored to your needs.

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