Non Profit Insurance in Alberta.

Yes, and it is often the most important coverage a non-profit carries. Incorporating under the Societies Act does not fully protect a volunteer director from being named personally in a claim over a decision the board made, whether about money, employment or governance. Many capable people will not join a board without this coverage in place, so it protects both your people and your ability to recruit them.

A licensed hall or lounge, and any event run under an AGLC special-event licence, creates liquor liability exposure. If a patron is over-served and someone is hurt, the organization can be held responsible. Liquor liability responds to that, and Alberta expects your servers to hold ProServe certification. We match the coverage to how and when you serve.

Yes. Organizations that work with children, seniors or vulnerable people carry an abuse and molestation exposure that a standard liability policy limits or excludes. Where your activities call for it, we add abuse liability coverage and help you understand the screening and safety practices that sit alongside it.

When you rent a community hall, arena or municipal facility, the owner usually wants proof your liability coverage is active and to be added as an additional insured, so they are protected for claims arising from your event. It is routine, and we issue the certificate quickly so it never holds up your booking.

That is a common exposure, and it works differently than insuring vehicles the organization owns. A volunteer’s own auto policy responds first, and a non-owned automobile endorsement can extend your liability coverage to protect the organization if a volunteer causes a crash while acting on its behalf. We will add the endorsement where your activities call for it.

There is no flat rate. Your premium depends on the work you do, your revenue, your Alberta location, and your claims history, and higher-risk work costs more to insure. We price it around how you operate rather than a one-size quote, and most non-profits go from first conversation to bound coverage within a few business days.

Yes. Velocity is an Alberta brokerage and we write commercial coverage anywhere in the province, including small towns, rural operations, and remote work sites. We work primarily by phone, email, and video, so where you are based does not change the service you get.

Most start with commercial property for the building, stock, and equipment, and commercial general liability for third-party injury and property damage. Vehicles add commercial auto, contractors add tools and equipment coverage, property owners add loss of rental income, and service and professional businesses add professional liability. We build the mix around your operation.

Hail is generally covered under a commercial property policy, and hail damage to vehicles falls under comprehensive auto coverage. What matters is whether your building is insured to replacement cost and what your deductible looks like, because in Alberta hail is a when, not an if. We confirm both before you need to claim.