We’re a small group running community cleanups and local food drives. It’s all volunteer-based, but someone asked about liability insurance, and now I’m wondering—do we actually need it?
Honestly, yes. Even small groups can face risks—think slips and falls at an event, or someone claiming injury. One lawsuit could drain everything, even if you’re just working out of love for your community. Liability insurance protects your volunteers, your board, and your mission.
We’ve been running informal community events for years without insurance. Not saying it’s ideal, but policies cost money we don’t have. Unless you're holding large public events or managing property, it might not be necessary. But definitely talk to a legal advisor or broker before assuming either way.
From a legal perspective, even small nonprofits or unincorporated associations can be held liable for injuries or damage. If someone trips over a cord at your event, and you don’t have insurance? That could be a personal financial nightmare. General liability coverage isn’t that expensive and can offer peace of mind.
Even if you're a small group with big heart, accidents happen. Liability insurance isn’t just for “official” organizations—it’s a smart layer of protection that shows you're taking your community impact seriously. Start by getting a quote or asking a local nonprofit consultant. Better safe than sorry.
