Nonprofit Insurance

For decades, the family of colleagues at Mason & Mason have worked with local organizations of all kinds. From small homeowners associations to large-scale nonprofits that serve social causes, no two organizations share the same risks. We understand baseline exposures to guard against and work with each organization through a thorough audit process to complete a meaningful and well-designed program.

Not-for-profit is a natural fit for our agency. We lend volunteer and financial support to dozens of local organizations within the communities we serve. Our roster of community-minded staff members is involved with these organizations in a variety of ways, including service on boards, positions as officers, and pure volunteerism.

Community stewardship runs deep within our agency. We put that passion to work, ensuring that our non-profit clients have the proper protections necessary to carry out their missions.

Nonprofit Organization Insurance Team

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Nonprofit Insurance Program Offerings


Directors & Officers Coverage

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Same Day & Special Event Insurance

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Property Coverage

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General Liability Insurance

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Workers Compensation

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Mountain Top Music Center and the ...

Our friends and neighbors at the Mountain Top Music Center plan to renovate and revitalize the historic Bolduc Block in downtown Conway Village. After a crippling fire in 2005, the building has gone unused but stood in the heart of the village with great potential. Then, just a few short years ago, Mountain Top Music Center was authorized to purchase the building in order to preserve it and secure it as a musical hub for the community. Their vision is to revitalize and utilize the entire property, returning it to its former glory—and, more importantly, to its role as a community gathering place for Conway and a vibrant center for performing arts activity.

Substantial renovations are needed in order to realize their vision. The organization is looking to improve energy efficiency as well as meet the current standards and codes of the town of Conway. To accomplish this they must upgrade windows and doors, as well as other systems within the building. They aim to meet the cosmetic and functionality standards of the 21st century.

Join us in supporting the Mountain Top Music Center and its revival of the downtown Conway Majestic Theater!


Con-DO or Con-DON’T – Condo Insurance ...

There are some advantages to condominium living. One, people feel, is that the association handles insurance so they skip the hassle of having to arrange their own coverage.  While that’s true to some degree, as with most things in life, it’s more complicated than it appears. There are traps for the unwary. To know what the association is going to take care of you need a copy of the by-laws and the master deed. These documents should be made available to your insurance advisors in order that they may design your coverage to coordinate with the “master policy”.

Questions to ask yourself when determining what kind of coverage you need:

  • Will the master policy cover the parts of the unit that you own? – Many associations are obligated to purchase property insurance that covers all building elements including those owned by an individual.  Others are not and the master policy covers only commonly owned elements of buildings.  The master deed identifies commonly owned elements and delineates the boundaries of individually owned units.  The by-laws indicate the association’s obligation.
  • What deductible has been chosen for the master policy? – If damage occurs in your unit only there is little doubt you will be responsible for the deductible even if the master policy provides coverage.  Many associations choose higher deductibles than an individual would be comfortable with in order to keep condo fees low.
  • Who will provide coverage if you improve your unit by adding higher end cabinetry, counter tops or other enhancements? – The master deed and by-laws will answer this question.
  • What is your exposure for assessments due to uncovered or inadequately covered damage to common elements or high deductibles?
  • Is your investment protected in the event of a total loss? – Again, look to the master deed and by-laws as well as the limit available under the master policy.
  • What will you need to adequately cover your personal property and your personal liability exposures? – Of course, the association will not provide any protection in these areas.  They are usually handled with a Condominium Unit Owners Policy.
  • Is the master policy written on a specialized condominium form? – Forms and endorsements have been developed for condominiums that recognize the special relationship of unit owners and the association in relation to the insurer.  These forms are important in reducing the exposures of individual unit owners.

Don’t assume. Whatever you do, don’t assume that your condo association has you covered. Do some research, get answers and get peace of mind.