Nonprofit Insurance

Exclusive group insurance for the nonprofit sector

Nonprofits are focused on fulfilling their missions, but also want to strengthen their organization’s governance, reduce costs and protect their organization, staff and volunteers. As part of ONN’s membership program, we offer an exclusive insurance program designed specifically for registered not-for-profit corporations operating in Ontario.

Nonprofits have different insurance needs than for-profit businesses. ONN has done all the homework for you.

ONN insurance program

Protect your organization with the right insurance coverage, at a cost-effective price

Whether you’re staging a special event, offering community support or care to vulnerable individuals, managing a substantial endowment, or serving a group united by a common interest, your nonprofit organization could face a variety of strategic challenges. Those challenges can range from competing for funding and attracting and retaining employees or volunteers to balancing budgets and promoting sound governance. Yet, as a busy decision-maker, you seldom have the time — and might not have the expertise or resources — to proactively manage the many risks associated with such activities and the services you deliver. Without expert guidance, your organization’s nonprofit insurance could provide less-than-airtight protection while remaining one of your largest expenditures.

Since 2014, ONN has worked exclusively with HUB International to provide commercial insurance solutions for our members. HUB works with multiple insurance companies for ONN’s program to ensure the right coverage and best rates in the industry. HUB can help you reduce your nonprofit insurance costs and enable you to focus on your mission. As an extension of your team, HUB will work with you to:

  • Identify threats to assets and reputation
  • Recommend practical and cost-effective risk management strategies
  • Provide hands-on program management, counsel, education and advocacy that maximizes the value of every insurance contract and benefit offering
  • Craft broad risk-transfer solutions
  • Promote compliance

HUB’s dedicated Nonprofit experts have experience in all areas of the sector and will partner with you to develop a cost-effective solution to meet your needs. Coverages include:

  • Property
  • Commercial General Liability
  • Cyber and Privacy Liability
  • Directors & Officers Liability
  • Special Event Liability
  • Abuse Coverage
  • Professional Liability
  • Automobile Liability
  • Umbrella/Excess Liability

Resources for Nonprofits from HUB Insurance

  1. Professional Liability – When Your Business and Reputation Are on the Line
  2. 5 Cyber Insurance Myths Debunked
  3. Building a Comprehensive Nonprofit Insurance Program
  4. Why Nonprofits Can’t Afford to Ignore Cyber Risk
  5. Nonprofit Fundraising in the Digital Age: Risk Management Tips For a New Frontier
  6. “But We Don’t Own Any Vehicles” – Four Simple Steps to Surmount Non-owned Auto Risk
  7. The Expanding Minefield Of Nonprofit Fiduciary Liability
  8. 5 Best Practices to Manage Nonprofit Risk and Insurance
  9. Do You Have the “Right Stuff?” – Building Blocks of a Nonprofit Insurance Program
  10. Nonprofit Risk Management and Insurance Solutions
  11. About HUB’s Nonprofit Practice: A Catalyst for the Greater Good
  12. 2023 Bulletin: Risk Services Nonprofit News


“The experience has been nothing but positive. First, our insurance costs are less than half of what they were previously – more than covering the ONN annual membership fee. Second, Paul Spark is very responsive to our needs. He always returns emails on time and gets us any certificates or documentation we require. We would very much recommend all ONN members take advantage of this benefit.

– Lillian, Manager of Operations – Toronto Region Immigrant Employment Council (TRIEC)

Ever since I first met Paul Spark at a Ontario Nonprofit Network Conference some years ago, I can state unequivocally that his advice, service, and competitive savings on the Cyber Privacy Insurance Policy our Society has through Paul has been exemplary. Paul ensures that we are well served and provides current pricing and information and is always available to offer advice and support when required.

– Betsy, Alzheimer Society London and Middlesex, London, ON

Our agency is very pleased with the service that we received. We are paying less for even more coverage than we had previously, which is quite impressive! What’s more, we were guided through the entire process with a phenomenal level of customer service from Paul Spark, the Commercial Account Executive assigned to us. Paul took the time to answer all of our questions and offered great advice. The higher level of coverage, cost savings and exceptional customer service resulted in a very positive experience for our agency.

– Carol, Career Foundation, Toronto, ON

The insurance program provided through the ONN with Paul Spark has been really great for us. I contacted Paul and he quickly answered my many questions. He managed to increase our coverage and decrease our costs. We recently hosted our very first conference and he worked hard to make sure we were covered without adding too much additional cost.

-Shauna, Executive Director, EFAO (Ecological Farmers of Ontario), Guelph, ON

HUB International is an absolute pleasure to work with, Paul took the time to ensure we fully understood every aspect of the coverage we were seeking, and with his industry knowledge gave us valuable information on what would benefit us as a nonprofit organization the most. Choosing Hub International was the best solution for our organization, and as a result of his work on our behalf, he was able to offer us substantial savings versus what our previous insurance company had offered. I encourage any nonprofit organization who needs to renew their Commercial insurance to contact Paul and see what he can do for your organization.

– Sudip, Windsor Women Working with Immigrant Women, Windsor, ON

Paul from Hub International has consistently been able to expand our level of coverage while containing and in most cases reducing our costs. This has been particularly valuable in the area of Cyber Privacy, a specialized form of coverage that we could not find elsewhere and something important to our work. Paul also has a deep commitment to the non-profit sector and has been incredibly patient with our multiple inquiries, funder requests and ongoing demand for certificates. I encourage anyone looking for better quality insurance at a highly competitive price to give him a call.

– Sue, Findhelp, Toronto, ON

Other Resources


Sector Stats on Nonprofit Insurance

  • Ontario is home to 5 million volunteers and 600,000 employees in the nonprofit sector.
  • Roughly 10% of nonprofits have no insurance coverage because of the high cost to secure*
    (Typically includes Office Package or Property Policy, Directors and Officers Liability; could include Event Insurance, Abuse Coverage and Professional Liability, among others.)
  • $7,500 is the average annual premium nonprofits pay for insurance coverage**
  • 32% of volunteers sit on committees or boards***
  • Wages and benefits have essentially remained the same, yet inflation has increased by 23%, making it harder for nonprofits to compete with other sectors to get the best talent****

* Government of Ontario. (2009) Taking Risks the Safe Way- Risk Management and Insurance Practices of Ontario’s Voluntary Sector
** Ibid.
*** Imagine Canada. (2007) Giving and Volunteering in Ontario- Findings from the Canada Survey of Giving, Volunteering, and Participating
**** Community Social Planning Council of Toronto. (2009) Heads Up Ontario!

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