Protecting your mission through
tailored, affordable insurance

As the administrator of Habitat for Humanity Affiliate Insurance Program, Lockton Affinity provides insurance coverage that affiliates need to protect business operations, including building and rehabilitation projects, ReStores, volunteers, employees and more.

With your operations fully covered, you can focus on building strength, stability and self-reliance in your community.

Available master policies

These master policies are handwritten to cover the exact needs of Habitat for Humanity affiliates, making them entirely unique. With aggregate buying power and broadened coverage forms, we are able to negotiate rates on your behalf.

  Builder’s Risk
  General Liability
  Volunteer Accident Medical
  Volunteer Disability
  Directors & Officers Liability (D&O)
  Employment Practices Liability (EPL)
  Fiduciary Liability
  Excess D&O and EPL

Available individual policies

If your affiliate has one-off needs for additional insurance, we can help place coverage for:

  Workers’ Compensation
  Flood coverage
  New York State Disability Benefits coverage
  Earthquake coverage
  Contractors Pollution or Environmental Liability
  Special Events coverage
  Excess Limits
  Professional Liability
  Mortgage Errors and Omissions

Get started with coverage for your Habitat for Humanity affiliate today.

A longstanding partnership

Working together to design a package of insurance polices to fully meet the needs of Habitat for Humanity affiliates, Lockton Affinity has been the preferred insurance partner of Habitat for Humanity for decades.

Selecting Lockton Affinity as your affiliate’s insurance partner means you can expect:


While many organizations see significant changes in their rates, coverage terms and non-renewals from other providers, Lockton Affinity provides stability and support year after year.


Contact our dedicated team with questions about coverage, claims, risk management and more.

Affiliate login

Log in to access the documents and information your affiliate needs to manage its business insurance and reduce its claim risks, including:

  Applications and coverage change forms
  Certificate request forms
  Claim reporting information
  Online safety training courses
  Manuals, checklists and expense calculators
  Safety guides, posters and more

Risk management articles

To help improve safety and reduce claims, we regularly publish risk management blogs that speak to the challenges Habitat for Humanity affiliates face and ways to overcome them.

Implementing a Severe Weather Plan for Affiliates

Whatever part of the country your affiliate is in, severe weather can impact your operations throughout the year. Consider these statistics on severe weather from the National Oceanic and Atmospheric Administration (NOAA): About 1,200 tornadoes hit the U.S. each year. 100,000 thunderstorms occur each year in the U.S. and 10% reach severe levels. Damaging winds [...]

ReStore Maintenance and Safety Improvements

Maintaining property and prioritizing safety improvements is a good business practice and also keeps your employees, volunteers and customers safe and comfortable in the ReStore. To stay on top of ReStore maintenance, implement routine self-inspections to catch hazards before a true safety issue arises. Gather a group of employees and/or volunteers of different ages and [...]

2024 Safety Calendar

Habitat for Humanity Affiliate Insurance Program carrier Chubb has created a helpful safety calendar to help you address risks each and every day of 2024. Download the 2024 Safety Calendar here.

Contact us

If you have questions about the Habitat for Humanity Affiliate Insurance Program, please complete the form or contact or (888) 553-9002.

Phones are answered Monday through Friday, 8 AM to 5 PM (CST).