Insurance for Non-Profits, HOAs & Religious Organizations
Protecting Your Mission, Not Just Your Property
If you’re running a nonprofit, homeowners association, or place of worship, chances are you didn’t sign up to think about insurance. You’re focused on your mission — building community, helping others, creating stability.
But leadership comes with responsibility, and the risks are real. A board decision gone wrong, an accident at a community event, or even an allegation of abuse can threaten the very work you’re trying to protect. That’s where we come in.
At BuiltRite Risk Solutions, we help non-profits make sense of their risks and build coverage that’s tailored — not just cookie-cutter.
What We Cover — and Why It Matters
General Liability
The foundation of every policy. Covers things like slips, trips, and damage claims that can happen during your day-to-day operations.
Directors & Officers (D&O) Liability
Your board members are making real decisions. This coverage protects them personally if someone claims those decisions caused harm — financial or otherwise.
Pastoral Liability
For religious groups, clergy often offer counseling or spiritual advice. This protects against claims that might arise from those conversations or interactions.
Abuse & Molestation Coverage
It’s a difficult subject, but it’s critical. Many policies exclude this by default. We’ll help make sure the coverage is there, and that your organization is taking the right steps to reduce risk from the start.
Volunteer Coverage (Including Auto Liability)
Volunteers are often the heart of what you do, and when something goes wrong, the lines of responsibility can get blurry. We help cover injuries that might happen while volunteering, but we also go a step further.
If your volunteers or staff use their personal vehicles to run errands, deliver items, or help with events — you may be exposed to auto liability risks, even if you don’t own any vehicles.
That’s where Hired & Non-Owned Auto Liability (HNOA) comes in. It helps protect your organization if there’s an accident involving a volunteer’s or employee’s personal car while they’re doing something on behalf of your nonprofit.
Property & Building Coverage
Churches, community centers, HOA clubhouses — they’re more than just buildings. We’ll make sure they’re protected against fire, theft, storms, and more.
Employment Practices Liability (EPLI)
If you have staff, this protects against claims like discrimination, harassment, or wrongful termination.
A Partnership Approach to Risk and Coverage
We’re not here to push a policy you don’t need. We’re here to answer questions, point out gaps, and help you feel confident about the coverage you do need — even if you’re not ready to buy today.
We’ll walk your board through the options, help you understand exclusions, and build something that fits your budget and your mission.
Let’s Start the Conversation
If you’re a nonprofit director, a pastor, or serving on your HOA board, we’d be honored to work with you.