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Liability Insurance for Nonprofits, Churches, Social Clubs, Sports Groups and Associations

Comprehensive Package Policy | Directors & Officers Professional Liability, Abuse & Molestation, Employment Practices Liability

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Nonprofit Insurance Product highlights:

Best California Insurance Services offers the best insurance for Nonprofits, Churches, Social Clubs and Associations. We offer products built specifically for nonprofit organizations. Each product is designed to meet the needs of its industry segment and typically includes general liability, hired and non-owned auto, property, crime, directors and officers, employment practices, inland marine and special events. Policies can be customized to fit your needs. We can help you obtaining nonprofit Insurance Package with one application, one quote, and one policy.

Nonprofit Package Products

  • Business Association Guard

    We provide coverage for meetings and networking events for business membership organizations, chambers of commerce, professional associations and trade associations with our competitively-priced package solution. Blanket special event coverage is also available to handle frequent fundraising activities.

  • Charity Protector

    A product designed for charitable organizations and fundraising organizations including arts and cultural support, booster clubs, foundations and parent/teacher associations. We can offer blanket special event coverage and extend coverage to concessionaire activities.

  • Arts and Culture Package

    We target nonprofit performing arts groups, theater companies, orchestras and choral groups as well as art galleries, museums and theater buildings. Our package includes abuse and molestation as an added protection for those groups working with children or teaching classes. Inland marine is also available for traveling theater groups.

  • Houses of Worship

    A product designed for houses of worship, including churches, synagogues, mosques and temples for all faiths and denominations. Our package provides pastoral professional as well as abuse and molestation coverage.

  • Social Services

    Suitable for a broad range of nonprofit service organizations such as caregivers (non-medical), counseling and referral agencies, food banks/soup kitchens, hospices, thrift stores, shelters/halfway houses and youth mentoring. Our package can also offer abuse and molestation and social service professional coverage.

  • Sports Advantage

    A solution for organized adult and youth sports teams, camps, clinics and multi-sport associations. We handle a wide variety of sports including, but not limited to baseball, basketball, flag football, football, golf, lacrosse, soccer, softball and tennis. Our package can also offer abuse and molestation, inland marine and assault or battery coverage. Athletic participant coverage can be available for youth sports.

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  • Fraternal Clubs

    This product is designed for nonprofit clubs and private membership organizations such as auxiliary groups, cultural organizations, ethnic clubs, hobby clubs, military private membership groups, social clubs, veteran organizations and clubs of many varieties. Our package can also offer commercial liquor liability with assault and battery coverage.

  • Community Associations Package

    We target homeowner, townhome and residential condominium associations. Our broad eligibility allows for a variety of amenities including pools, lakes and beaches. We also offer community association directors and officers to protect board members for decisions made in managing the association.

  • Condo-Mini

    We handle a smaller subset of community associations
    with condo “mini.” Smaller duplexes and quads formed as associations qualify for a full package including property coverage, general liability and community association professional liability. Associations with buildings under $1.5 million total insurable value (TIV) and with five or fewer total units are eligible.

  • Nonprofit Premises Preferred

    This product is designed for nonprofit organizations that only require premises liability to comply with lease requirements. The landlord can be added as an additional insured for no additional premium.

  • Special Events

    When there is a need for standalone event coverage, this product can provide general liability and/or liquor liability for events with up to 10,000 attendees per day. Property owners can be added as additional insureds at no extra cost. Preferred pricing for host liquor liability is available in many states.

  • Nonprofit Umbrella / Excess General Liability

    Umbrella/Excess capabilities are available over risks matching our underlying appetite. No Self Insured Retention (SIR) required and coverage can be extended over the nonprofit directors and officers policy. The minimum attachment point is $1,000,000 for commercial umbrella and $500,000 for excess commercial liability

General Liability & Business Owners Package Features:

  • Fundraisers, Special Events, and Outreach Activities
  • General Liability coverage included for volunteers
  • Hired & Non-Owned Auto coverage is available
  • Hall/Banquet rental is included at no additional cost
  • Club members listed as an additional insured
  • Church members are included as additional insureds
  • Pastoral professional coverage up to $1,000,000
  • Abuse and molestation coverage up to $1,000,000
  • No liability deductible
  • Property Coverage and Equipment Breakdown
  • Concession operation coverage is available
  • Employee Dishonesty, Money & Securities can be added

Directors & Officers / Employment Practices Features:

  • Unlimited Defense Costs outside the limit
  • Volunteers are included in the definition of "employees"
  • Third party discrimination and harassment is included
  • Full Prior Acts and Breach of Contract coverage available
  • Fair Labor Standards Act (wage and hour) available
  • Data & Security coverage available for Data Breach, Identity Theft, Workplace Violence and Kidnap expenses.


  • Slip and Fall
  • Sexual Abuse
  • Counseling
  • Discrimination


  • Lightning
  • Storm Damage
  • Theft
  • Pipe Bursts
  • Fire

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Liquor Liability for Non-Profits & Social Clubs

  • Limits up to $1,000,000/$2,000,000 available
  • Monoline Liquor Liability Product
  • Automatic coverage for the Liquor License holder as an additional insured
  • No deductible
  • Employees and club members covered as Insureds at no
    additional charge
  • Landlords may be added as an additional insured for a nominal
    additional premium
  • Terrorism coverage included for no additional premium
  • Preferred Pricing for Clubs with certain qualifications
  • Credits available for responsible clubs with a formal
    third-party server awareness training program
  • A.M. Best rated A++ carrier

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Ph: (714) 453-0700

421 S. Main St
Orange, CA 92868