There are specific Insurances that all Nonprofits should have – some more important than others:
General Liability Insurance – which protects from slip and falls
Property Insurance – whether the nonprofit rents or owns – to protect the property against fire, vandalism, earthquake and more
Auto liability Insurance – covers you or your staff while carrying out the organizations business while driving their car or the agency's car
Product liability Insurance – if the nonprofit sells products to the public
Directors and Officers Insurance – to protect the Board of Directors
Professional Liability Insurance - protect against liabilities resulting from mismanagement of the organization
There are Insurance companies that specifically cater to Nonprofit organizations and understand nonprofit funding concerns.