Auto Liability Insurance for Nonprofits and Human Services Organizations

Auto liability insurance is a type of coverage that protects your organization when a vehicle used for work-related purposes is involved in an accident that causes injury to others or damage to their property. It covers the costs of bodily injury, medical expenses, property damage, and potential legal fees if your organization is found legally responsible.

Our policies are crafted for the real-world operations of nonprofits and typically include: 

• Bodily Injury Liability
  Covers medical expenses, lost wages, and legal fees if someone is injured in an accident involving your organization’s vehicle. 

• Property Damage Liability
  Pays for repair or replacement of another person’s property damaged by your vehicle. 

• Hired and Non-Owned Auto Coverage
  Extends liability coverage to rented vehicles or employee-owned cars used for organizational purposes. 

• Uninsured/Underinsured Motorist Coverage
  Protects your drivers and passengers in case of an accident with an inadequately insured third party. 

• Medical Payments Coverage
  Covers medical costs for your vehicle occupants, regardless of fault. 

If your organization owns, leases, or uses vehicles for program-related activities, you’re legally and financially exposed to: 

• Auto accidents involving third-party injuries or property damage 

• Lawsuits stemming from bodily harm or death caused by a staff driver 

• Vehicle-related liability during mission outreach or client transport 

• Damage to vehicles used by volunteers or contractors 

Even if you rely on hired or non-owned vehicles, your organization can still be held liable. That’s why comprehensive auto liability coverage is essential. 

Specialized Knowledge of Nonprofit Operations 

We work exclusively with nonprofits and human services organizations—so we understand your transportation risks, budgets, and mission-driven work. 

Fleet Risk Management Support 

From driver screening to vehicle maintenance protocols, our risk team offers proactive strategies to minimize accident exposure. 

Responsive Claims Assistance 

Our dedicated advocacy team stands with you in the event of a claim, handling the process efficiently and with empathy. 

Tailored Coverage Solutions 

No matter your fleet size or mission type, we help customize your auto liability policy to fit your exact needs—without unnecessary add-ons.

We serve nonprofits and human service organizations of all types that rely on transportation to serve others, including: 

• Residential and outpatient care facilities 

• Community-based outreach programs 

• Religious and faith-based groups 

• Food delivery and mobile health units 

• Educational and youth service organizations