Institutional Insurance
Institutional insurance is coverage built for organizations such as schools, religious organizations, nonprofits, associations, and cultural institutions. It typically combines property, general liability, directors and officers, abuse and molestation, crime, and other coverages into one program shaped around the organization’s mission and the people it serves. What is included varies by program.
Institutions face a distinct mix of risks: buildings and grounds, staff and volunteers, events, the people they serve, and boards that make decisions on the organization’s behalf. We help California institutions build coverage around how they actually operate.
What does institutional insurance cover?
- Property: buildings, contents, and often specialized spaces such as sanctuaries, classrooms, or collections.
- General liability: third-party injury and property damage on the premises and at events.
- Directors and officers (D&O): claims against the board and leadership over their decisions.
- Abuse and molestation: a critical coverage for organizations serving children or vulnerable people, subject to underwriting and terms.
- Crime and fidelity, employment practices liability, and, where relevant, professional liability.
Who needs it? Private and parochial schools, religious organizations, nonprofits and charities, membership associations, museums and cultural institutions, and similar mission-driven organizations.
California institutions carry the state’s property catastrophe exposures, and earthquake and flood are excluded from standard property and addressed separately, alongside people-focused risks like abuse and molestation and employment claims.
How we help: We learn how your organization operates, who it serves, and how its board is structured, then build a program that fits its mission and exposures. We explain higher-sensitivity coverages such as abuse and molestation and D&O in plain English.
