Non-Profit Insurance | Workers' Compensation

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Workers' Comp Coverage for Non-Profit Organizations

We've been helping social service leaders find better and more affordable coverage for over 15 years. Our experts understand the unique underwriting requirements from the insurance companies and we know how to negotiate the lowest rates. That's why we've developed non-profit insurance programs designed to help you get the best rates and most flexible payment options.

We partner with the best insurance companies writing a diverse range of social services and charitable organizations.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Non-Profit Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp and GL coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for group homes and special needs.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on social services and non-profits with volunteer workers.

The Hartford

Travelers Workers Compensation Insurance.


Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for most charitable organizations.

Travelers Insurance

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as loss control resources for most social service workers' comp class codes.

Employers Insurance

Chubb Insurance Company is a mono-line workers comp carrier doing business in most states.


Chubb quotes all lines of business and has terrific rates for group homes, respite care, YMCA's, and Boys and Girls Clubs.

Chubb Insurance

State Auto is a fast growing insurance company with a very broad underwriting appetite.

State Auto

State Auto has some excellent rates for offices such as shelters, food pantries, soup kitchens, group homes and other welfare organizations.

State Auto Insurance

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance offers affordable prices and a broad appetite for most types of non-profit organizations.

Great American Insurance Group

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.


AmTrust Financial provides exceptional value for many business types within the social service classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
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Workers' Compensation Codes Related to Not-For-Profit Organizations

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 8864 | Counseling and Family Services

Social Services Organizations will often provide social services to mentally, physically, or emotionally challenged individuals. Services may extend for troubled youth, abuse, drug related activities and more. The types of services provided may include meals, counseling, case management, education, employment, training, and some limited medical services.

Some counseling services will also fall under class code 8742. These services often include daily travel and consultative services such as adoption services, foster care placement, community outreach and social workers.

Class Code 8842 | Residential Care Facilities

Residential care facilities represents a significant portion of the non-profit labor force. These facilities may include group homes, children's homes orphanages, foster homes, intermediate care facilities and homes for intellectual or physical disabilities. These organizations primarily focus on room, board, protective supervision and counseling. Health care and medical treatment is not the primary focus of these facilities.

Class Code 8833 | Charitable Organization- Physical Assistance

Class code 8833 applies to both private and public hospitals. However, this class code also applies to non-profit and social services related to mental health and substance abuse. Alcohol rehabilitation, drug addiction treatment, mental health facilities and some residential group homes will fall under this wc code. Convalescent and nursing homes may also fall under this classification when operated by a hospital. Not-for-profit blood and organ banks also belong under this classification

Class Code 9063 | Community Centers

Community center typically apply to youth clubs that operate in a similar fashion to a YMCA. These non-profits provide social and educational programs and other activities. Youth service organizations, youth mentoring and Boys and Girls Clubs are examples of organizations that fall under the code.

See Also:

Non-Emergency Medical Transportation

Home Health Care

Assisted Living Facilities

Alternative State Class Codes for Non-Profit Organizations:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
9070 | Family Services and Counseling California
8837 | Non-Residential Counseling Michigan
8836 | Counselors and Welfare Providers New-Jersey
896 | Social Assistance Delaware / Pennsylvania
8861 | Charitable or Welfare Organizations Missouri / Nevada / Virginia
9085 | Group Home California
9040 | Shelters and Group Homes Delaware / Pennsylvania
8837 | Social Assistance- Home Care Michigan
8868 | Homes and Orphanages New Jersey / Texas
8865 | Group Home New York

Related: non-profit, charitable and welfare organizations, social service centers, special needs, group homes, food pantry, soup kitchen, shelter, rescue mission, independent supportive living, juvenile detention centers, home for the abused, mental health facilities, respite services, counseling services, family welfare services, self-help organizations, youth centers, suicide crisis counseling, telephone counseling charities, volunteers, United Way, Salvation Army, YMCA, YWCA, YMHA, YWHA, Meals on Wheels, Red Cross, Feeding America, Habitat for Humanity, Boys and Girls Club, Goodwill.

Workers Compensation is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation is a national Agency, licensed throughout the United States.

Get the Best Non-Profit Insurance Coverage

A lot of small social service organizations are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Others organizations are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing nonprofit insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Non-Profit Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Lower Your Non-Profit Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for your nonprofit:

  Workers' Compensation and Employers Liability

  Nonprofit Liability Insurance
  E&O Insurance (Errors and Omissions)

  Commercial and Personal Property

  Directors and Officers Liability (Non-Profit D&O)

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our insurance Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Non-Profit Insurance Cost?

The average rate our customers pay for workers' compensation under the non-profit class code is around $1.12 per $100 of payroll. The average cost for a general liability insurance policy is about $1,200.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll and the number of volunteers
  • Your state and EMR Rating will affect your cost
  • The type of social service work can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates for non-profits are based on revenue (rated per $1000)
  • Gross revenue may affect pricing
  • The type of services matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by organization

Non-Profit D&O Costs

  • D&O rates for are based on financial data and number of directors
  • Gross revenue may affect pricing
  • Security and sensitive data matters to underwriters
  • Prior clams and years in business affect pricing
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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