Commercial Property Insurance for Nonprofit Organizations

Protect Your Building & Personal Property From Accidents

Proactive Risk Management

Simple Buying Process

Easy-to-Understand Policies

Commercial Property Insurance

Commercial property insurance protects your building & personal property from accidents including fire, burst pipes, storms, theft, and vandalism. Computers, furniture and equipment, exterior signs, important documents, and inventory are all covered.

Personalized Insurance for Nonprofits

CTG Insurance understands nonprofits better than anyone. We have you covered with commercial property insurance, so that you can focus on serving your community.

Personalized insurance solutions that meet your nonprofit’s unique needs.

Budget-conscious coverage that won’t break the bank.

Dedicated customer service every step of the way.

Decades of experience specializing in nonprofit insurance solutions.

FAQs

Ask the experts. We’re here to answer your nonprofit insurance related questions.

Do I really need commercial property insurance?

If you own, rent or lease commercial property of any kind, then you should have commercial property insurance. Without it, you’re responsible for paying any costs to repair or replace damaged business property.

What does commercial property insurance cover?

A commercial property insurance policy typically covers loss to your business property due to fire, lightning, wind and hail, as well as theft and acts of vandalism. Policies typically include coverage for:

Equipment, such as computers, phones systems, and other specialized equipment your nonprofit utilizes
Furnishings and fixtures, including desks, chairs, appliances, and supplies
Buildings owned by your organization
Valuable records

What is the difference between D&O and professional liability?

Both coverages are essential for nonprofit organizations. D&O insurance helps to protect the organization and its directors and officers from a liability claim of mismanagement of the organization. Nearly all D&O policies have specific exclusions for professional services. Professional liability provides coverage from claims of actual or alleged negligence by the organization or an employee.

What doesn’t commercial property insurance cover?

It’s important to know areas where you may need extra coverage. Commercial property insurance doesn’t cover car accidents, flood damage, and earthquakes.

Be Prepared For Any Scenario.

You don’t want to be caught off guard by unpredictable circumstances. Protect your nonprofit with commercial property insurance, so you can focus on your mission without worry.

Fire

If there was a fire that damaged your building, causing your nonprofit to shut down for several weeks. Commercial property insurance covers the repair and replacement costs associated with property damage and provides compensation for lost income or donations.

Theft and Vandalism

When a nonprofit organization helping low-income communities misses a tax deadline causing several clients to owe a fine to the IRS, the organization is sued to recoup the costs of the fines. Defense fees and settlement costs were approximately $18,000.

Water damage

Commercial property insurance will cover water damage associated with burst pipes, such as damage to the structure, walls, floors, furniture, fixtures, equipment, and inventory. However, flood damage may not be covered.

Find Your Personalized Commercial Property Solution

We understand the challenging process of determining the right coverage for your unique needs. Start a quote and our team of experts will reach out to finish the discovery process and present you with a comprehensive proposal.