Insurance For Non-Profit Organizations
Tailored insurance for non-profit organizations protects the daily operations and physical assets of your group, whether you operate in the community, cultural, arts, or sports sector in Quebec. It addresses key exposures tied to public premises, fundraising events, volunteer management, and board governance (D&O), allowing your leadership team to stay focused on your core social mission.
At AMR, our independent brokers evaluate the distinct operational realities of every non-profit entity. We negotiate directly with specialized underwriters to structure a customized policy—combining commercial general liability, property protection, and financial security—to give executive directors and board members lasting peace of mind.
Insurance for non-profit organizations covers a diverse spectrum of non-commercial entities, including charities, community development corporations, foundations, cooperatives, labor unions, professional associations, religious groups, social clubs, and sports teams.
Types of coverage and options
Multiple coverages tailored to your situation.
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Civil liability
No matter the services you offer, the products you sell or the location of your business, we can cover your civil liability. Civil liability protection follows you step by step and protects you in the event of accidental damage to other people or their property. This coverage is your proof of solvency! This insurance will also protect you if an accident occurs on your company’s premises or if damages are caused to the property of others.
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Building and contents
In the event of damage caused by fire, theft, vandalism or any other risk, your building will be covered—if, of course, you are the owner of the building. This protection can also include your company buildings, their contents, leasehold improvements (if you are the tenant of the space) and your computer equipment, as the case may be. It is important to be aware of the exclusions mentioned in the contract.
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Operating loss
Operating loss insurance covers a decrease in revenue if you have to interrupt your operations or relocate due to an incident, such as a fire. This protection can also include additional costs that may be significant during an incident. This protection allows you to keep your earnings in place until your income returns to normal. Coverage is for 12 months, but it is possible to obtain 18 or 24 months of coverage. It is important to verify the number of months needed and the time frame for replacing your equipment.
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Directors and officers liability insurance
Did you know that since the new Law 141 came into effect, directors and officers insurance is mandatory for unions? Whether you are a condominium association or a company with various shareholders, AMR has the right insurance product for your needs. Directors and officers insurance protects your assets and those of your company, union, or organization.
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Commercial vehicle
Commercial vehicle insurance is determined by how you use your vehicle(s). Our protections are suitable for all types of commercial vehicles, ranging from a fleet of trucks or cars to a single vehicle used for your company or for your personal use.
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Cybersecurity
Cybersecurity protection protects you from the consequences of theft, hacking, or data loss. This protection may cover information theft, such as payroll fraud or attempted fraud. Cybersecurity protection is now important in all lines of business.
Think about it!
Our independent brokers are insurance experts. But that’s not all!
Our team of independent insurance brokers doesn’t copy and paste coverage from one industry to another. AMR has experts for each line of business that we insure and is committed to providing coverage tailored to your activities.
Board members of a non-profit organization carry personal financial and legal liability when making strategic, operational, or budgetary decisions. Included within your insurance for non-profit organizations, Directors and Officers (D&O) liability coverage defends against claims involving alleged mismanagement, wrongful dismissal, or breach of statutory duties. This vital protection safeguards your volunteer board members’ personal assets while helping you attract qualified governance leaders.
Beyond day-to-day operations, many non-profits deliver advisory services, psychosocial support, or specialized training programs. To safeguard these professional activities, your insurance for non-profit organizations should include Professional Liability (Errors & Omissions) coverage, which protects your group against claims of financial loss or personal harm resulting from advice or services provided. Paired with legal expense insurance, this protection absorbs representation fees in the event of a contractual or regulatory dispute.
Hosting fundraising galas, tournaments, or community gatherings involves significant financial and logistical commitments. Supplementing your insurance for non-profit organizations with special event coverage—including single-event liability and event cancellation insurance—protects your fundraising budget against financial losses caused by forced postponements, equipment failure, or severe weather.
Other option
Enhance your insurance with these add-ons to your policy that offer you even more protection, for optimal coverage that can handle any situation. These protections are not always included in standard packages, so it’s best to check and make sure they are included in your contract!
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Earthquake
With this coverage, you will be protected in the event of an earthquake that damages your commercial building and its contents. This protection is becoming increasingly valuable in the face of climate change.
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Equipment breakdown
With this type of insurance, your company will be protected against losses caused by equipment breakdown (heating, air conditioning, refrigeration, production or transformation machinery, electronic or electrical devices). It is important to be aware of the exclusions mentioned in the contract.
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Theft and embezzlement
Theft and embezzlement coverage provides compensation if an employee steals from you.
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Water damage
With this coverage, you will be protected in the event of water damage to your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.
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Flood
With this coverage, you will be protected in the event of water flooding that damages your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.
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Sewer backup
The name says it all! This protection covers you against sewer backup in your commercial building. The contents will be protected and you will be compensated for decontamination, building repairs and content replacement. It is important to be aware of the exclusions listed in the policy and to have high enough amounts to cover this type of expense.
Tips and advices
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
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