Non-Profit Insurance | Workers' Compensation
We've developed the best insurance programs for non-profit organization.
Get Better QuotesPrefer to speak with A Workers' Compensation Specialist?
Give us a call today at 888-611-7467
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.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Non-Profit Insurance Companies
Shop coverage like a Pro.
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
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 Shop.com 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?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- 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.
- 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.
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
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
- Secure
- Fast
- Easy
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F
California DBA: I-Shop Online Insurance Agency.












