Insurance That Supports Your Mission

Nonprofit Insurance in Missouri

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Protecting Your People, Property, and Purpose

Affordable Insurance for Nonprofits and Social Service Organizations

Whether you're running a transitional housing program, a food pantry, or a 501(c)(3) community center, your nonprofit carries responsibility, and risk. At Fortner Insurance, we help organizations across Missouri get the protection they need without stretching their budget. From property coverage to Directors and Officers liability, we’ll help you build a plan that fits your mission.

We also serve faith-based groups, youth programs, and social service agencies. Need more coverage? Explore our (church), (school), and (employee benefits) pages.

What we cover

Insurance for Nonprofits That Do It All

Nonprofit Property Insurance

Covers your office, buildings, equipment, supplies, and more in case of fire, storm damage, or theft.

Nonprofit Liability Insurance

Helps protect against lawsuits involving injury, property damage, or negligence—essential for any public-facing organization.

Directors and Officers (D&O) Insurance

Protects your board and leadership from personal liability for decisions made on behalf of the organization.

Volunteer Accident Coverage

Helps with medical costs if a volunteer is injured during an approved activity.

Abuse & Molestation Coverage

Important for organizations serving vulnerable populations, such as children or adults with disabilities.

Cyber Liability Insurance

Protects donor data, staff info, and online systems from breaches or cybercrime.

Auto Insurance for Nonprofits

For transporting clients, volunteers, or supplies using organization-owned or rented vehicles.

Umbrella Insurance

Adds an extra layer of protection over your general liability and auto policies.

Why Nonprofits Trust Fortner

Real Coverage. Real Relationships. Missouri-Based.

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We Understand Budgets

We work with cost-conscious organizations every day and help find affordable nonprofit insurance that doesn’t cut corners.

Outline of the state of Missouri.

Missouri Is Our Home

From large nonprofits in Kansas City to rural food pantries near Poplar Bluff, we serve organizations statewide.

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We Know the Risks

We’ve helped nonprofits navigate everything from slip-and-fall lawsuits to data breaches, and we’re here to help you prevent them too.

Nonprofit Insurance FAQs

What Missouri Organizations Ask Us Most

  • What insurance does a nonprofit need?

    At minimum, general liability and Directors & Officers insurance. Depending on your operations, you may also need property, auto, or cyber coverage.

  • Can a nonprofit get liability insurance?

    Yes—and it’s often the first policy we recommend. It helps protect your organization from lawsuits and claims that could derail your mission.

  • How much is D&O insurance for nonprofits?

    It depends on your size, budget, and structure—but it’s often more affordable than you think. We’ll walk you through the options.

  • Does my nonprofit need insurance for volunteers?

    Yes, if volunteers are regularly active in your operations. Volunteer accident coverage is designed to protect both your people and your organization.

  • Do we need different coverage for events or fundraisers?

    Possibly. If the event is off-site or high risk, special event coverage may be needed. We can help you review your policy in advance.