Non-Profit and Social Services Insurance in Providence, RI

Protecting the Commitment of Rhode Island Non-Profit and Social Service Organizations

The causes that motivate a non-profit or social service organization differ from those of a traditional for-profit business. The attention for a non-profit lies in more than just the bottom line.

Regardless of these differences, however, both business models are susceptible to significant risk. At Lefebvre Insurance Agency, we specialize in insurance products and services specifically designed for non-profit and social service entities.

Insurance Coverage Designed to Give Back to Non-Profits

Many individuals mistakenly assume social service organizations are immune from risks relevant to conventional businesses. This is a costly misconception.

From privacy violations to structural damage, exposure to risk is widely determinant on the type of organization seeking coverage. Our agents understand the need for customization and built a program to be flexible while encompassing. We also recognize non-profits work with certain restrictions, including stricter budgets. We’ll work within these restraints, while securing comprehensive coverage.

Some social service agencies are subject to very specific federal (HUD/DHHS) and state requirements due to the nature of their funding with state and federal grants. They often must carry specific types and limits of coverage that are not common and can be hard to place, such as abuse and molestation coverage. However, our agents are well versed in dealing with these scenarios.

The coverages we offer are not one-size-fits-all. Together, we’ll determine what is needed for your organization, remaining within budget.

One focus point of our program is business liability coverage, which can protect non-profits in the event a third-party claims the group is at fault for injury or property damage. Unique to non-profits, directors & officers coverage (D&O) is established at a flat rate due to strict budgeting. Employment practices liability insurance (EPLI) is also an essential offering, and can be added to an insurance portfolio easily and inexpensively.

At Lefebvre Insurance Agency, we have the capacity to foster a wide-range of coverages, including but not limited to: 

• Commercial General Liability
• Commercial Property
• Professional Liability
• Commercial Auto 
• Workers Compensation
• Directors & Officers (D&O)
• Employment Practices Liability Insurance (EPLI)
• Abuse & Molestation
• Employee Benefits Liability
• Event Liability (with Liquor Coverage)
• Crime Insurance
• Builders Risk
• Commercial Umbrella
• Cyber Liability
• Environmental Liability

Agents Serving You, So You Can Serve Others

Although your attention remains focused on the mission of your organization, we stay focused on your insurance protection.

We take time to learn your mission, and uncover needs by identifying gaps in current coverage. We work closely with a selection of carriers, including Berkshire Hathaway, AIG, Scottsdale, and Philadelphia Insurance Companies. These companies provide premier insurance products for non-profit and social services groups.

Our agency’s president, Andrew Lefebvre, has extensive expertise in working with service organizations. To learn more about the types of coverages available, contact our agency to speak with Andrew. For those ready to begin a policy, please request a quote. 

Additional Resources:

• Information on Non-Profit Insurance (Insurance Information Institute (III))
• Tax Information for Non-Profits (Internal Revenue Service (IRS))
• Forms for Non-Profits in Rhode Island (Rhode Island Department of State)

At Lefebvre Insurance Agency, we’re proud to provide insurance for non-profit and social services organizations in Providence, Pawtucket, Cranston, Warwick, East Providence, and North Providence, RI. We’re licensed in Rhode Island, Connecticut, and Massachusetts.