Canadian non-profits work closely with vulnerable people, which brings real risk — including devastating abuse allegations. Even unfounded claims can drain budgets, damage donor trust, and threaten program closure. Abuse liability insurance protects organizations, staff, and volunteers by covering defence costs, settlements, and reputational fallout. With funders increasingly requiring this coverage, it’s become essential for safeguarding your mission and long-term stability.

Social service organizations face unique risks — from liability and abuse allegations to property damage and cyber incidents. The right insurance protects your people, programs, volunteers, and facilities so you can continue serving your community without interruption. This guide explains the essential coverages Canadian social services need and why specialized protection matters.