Insurance advice for non-profit organisations

Non-profit

Insurance advice
for government and non-profit organisation

The public and non-profit sector is defined by its social commitment, innovation in service delivery, and strong emphasis on sustainability and inclusion. Whether you represent public authorities, non-profit organisations, voluntary groups, welfare bodies, or cultural institutions, AlliA understands the unique challenges your sector faces: limited resources, shifting policy frameworks, and ever-evolving societal needs. We know what it takes to create meaningful impact.

Several developments are reshaping the insurance landscape for public and non-profit organisations: The shift from grants to alternative funding sources, such as crowdfunding and partnerships, has increased financial unpredictability. As digitalisation grows, strict attention to data security is essential to mitigate associated cyber risks.

Legislative requirements and expectations from stakeholders play a significant role in assessing risks. Increased competition for resources, combined with a shifting volunteer culture in NPOs, presents new challenges in staff management and engagement.

Furthermore, your sector is also becoming increasingly complex due to globalisation, the focus on diversity and inclusion, and the impact of social media on reputation management. Innovation in services brings both opportunities and risks, with increasing pressure to adopt new technologies and compete. These changes make it necessary to properly identify risks and make sure you are well prepared.

Our Specific solutions
for the Non-profit sector

As a government or non-profit organisation, you have specific needs when it comes to insurance. Budget constraints sometimes make choosing the right cover difficult, but it is essential to properly cover risks such as volunteer liability, cyber threats and claims. AlliA offers tailor-made insurance solutions that exactly match your organisation’s unique risks, while respecting your available budget.

Besides customisation, you naturally expect transparency. No hidden clauses, but clear explanations of what is and is not covered. Certainty about the impact of claims on future premiums is equally important. At AlliA, we make sure you are always well-informed.

Rapidly changing legislation and shifting expectations of donors and partners within NPOs require constant adaptation. Whether complying with new governance requirements or hedging emerging risks, AlliA supports you in taking the right steps. This way, you will not only be ready for today’s challenges, but also for tomorrow’s.

Civil liability insurance

Provides coverage for damages resulting from accidents for which your company is held liable. This includes physical accidents involving pupils in schools or clients in residential care centres.

Objective liability insurance

Covers damages caused by fire or explosion in public spaces accessible to the public, such as schools, care centres, or association buildings. This policy ensures faster and simpler compensation for victims, regardless of the cause of the incident.

Civil liability and bodily injury volunteers

Protects against damages and accidents occurring during volunteer activities, covering both bodily injuries to volunteers and liability for damages caused to third parties.

Fire insurance

Protects your property and inventory against damage caused by fire, explosions, or other covered risks.

All Risk Electronics

Safeguards your valuable electronic equipment, including computers, servers, and network systems, from damage caused by theft, fire, water, lightning, and more.

Bodily accident directors

Protects directors and board members of your organisation against bodily injuries caused by accidents while performing their duties.

Private life executives and management staff

Provides coverage for executives and management staff in their private lives, protecting them against risks such as accidents, illness, or death.

Contractors All Risks (CAR)

Covers construction projects against damage, loss, or accidents during works, including protection for equipment and machinery.

Comprehensive assignments

Insures cars and (electric) bikes used by your employees, and optionally covers excesses for sharing initiatives like Cambio or similar services.

Collective hospitalisation

Offers collective coverage for employees’ medical expenses related to hospitalisation, including additional healthcare costs not covered by statutory insurance.

Group insurance

Allows you to include insurance in your employee benefits package, such as retirement plans, sickness coverage, or life insurance.

Travel assistance insurance

Supports employees or volunteers during work-related trips, offering assistance for accidents or medical emergencies, whether travelling domestically or internationally.

Liability

Liability insurances protect your business and employees against the financial consequences of third-party claims.

Workers’ compensation

Workplace accident insurances protect your employees against the financial consequences of accidents at work and during commutes.