Nonprofit Insurance in Michigan

Support for those who serve others.

Nonprofits need specialized insurance—not one-size-fits-all.

Whether you’re running a youth program in Lapeer, managing a food pantry in Flint, or organizing statewide fundraising events, your nonprofit faces risk just like any business. At The Lapeer Agency, we help Michigan nonprofits find the right coverage to protect staff, volunteers, board members, and property—without draining your budget. From liability protection to coverage for events and equipment, we make sure your insurance supports your mission and adapts as you grow.

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Insurance that works for your mission

Flexible protection built for community-focused organizations.


Michigan nonprofits face unique insurance needs that change based on services, staffing, and funding. We tailor coverage that reflects your real-world operations—not a template.

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Commercial General Liability

Covers bodily injury or property damage claims that arise during events, programs, or daily operations.

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Directors & Officers Insurance

Protects board members and leadership from personal liability related to governance decisions and fiduciary duties.

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Workers’ Compensation

Required if your nonprofit has employees in Michigan; can also be extended to include coverage for volunteers.

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Explore Bonds

Helps satisfy licensing, contract, or grant requirements for nonprofits operating in Lapeer, Flint, and throughout the state.

Common nonprofit insurance questions

What Michigan organizations need to know.

These are the questions we hear most from nonprofits across Lapeer County, Genesee County, and surrounding areas.

  • Do small, volunteer-run nonprofits in Michigan need insurance?

    Yes. Even nonprofits with no paid staff face risk—especially when hosting public events, using shared spaces, or managing donations. Without liability insurance, a single injury or claim could put your organization at financial risk. In communities like Lapeer, Davison, and Flint, many venues and grant providers also require proof of insurance, even for small nonprofits.

  • What’s the most important type of insurance for nonprofits in Michigan?

    General liability insurance is the most essential policy for most nonprofits, as it protects against injury or damage claims during daily operations or events. However, if your organization has a board of directors, Directors & Officers (D&O) insurance is also critical—it protects leadership from personal liability tied to their decision-making. Many nonprofits in Michigan are required to show proof of both when signing leases or applying for grants. The best policy depends on your size, structure, and funding sources.

  • How much does nonprofit insurance cost for Michigan-based organizations?

    Most Michigan nonprofits are surprised by how affordable their coverage can be. Policies are tailored to your organization’s location, risk profile, number of employees or volunteers, and service area. In regions like Flint, Lapeer, and Saginaw, we routinely help nonprofits get comprehensive coverage for a few hundred dollars per year. Our team shops multiple carriers to make sure you get cost-effective coverage without sacrificing protection.

  • Do board members really need D&O coverage?

    Yes, especially in Michigan where board members can be held personally liable for mismanagement or decisions that negatively impact the organization. D&O coverage helps protect your leadership team from lawsuits, legal fees, and personal financial loss. This is especially important for nonprofits that manage grants, hold assets, or serve the public. We recommend D&O for any nonprofit in Lapeer or Genesee County with a formal board structure.

  • Can our policy cover multiple locations or events in Michigan?

    Absolutely. We regularly build policies for nonprofits that operate in multiple cities or offer mobile services throughout Michigan. Whether you run a food pantry in Flint, host fundraisers in Lapeer, or offer programming in Saginaw, your policy can be adjusted to cover all event sites and temporary venues. We’ll make sure your insurance follows you wherever your mission takes you.