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.
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Available master policiesThese 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.
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Available individual policies
If your affiliate has one-off needs for additional insurance, we can help place coverage for:
Workers’ Compensation
Auto
Flood coverage
Cyber
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:
TAILORED, SECURE INSURANCE COVERAGE
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.
KNOWLEDGEABLE, FRIENDLY REPRESENTATIVES
Contact our dedicated team with questions about coverage, claims, risk management and more.
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Affiliate loginLog in to access the documents and information your affiliate needs to manage its business insurance and reduce its claim risks, including:
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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.
How to Address Habitat for Humanity Affiliate Volunteer Risks
What volunteer risks is your affiliate facing? Are you struggling with volunteer turnover? Do you have tenured volunteers and employees retiring or leaving? Are you seeing an increase in volunteer illnesses or injuries? When it comes to navigating these challenges and protecting your affiliate, insurance and risk management can play a key role. Habitat for [...]
ReStore Inventory: Storing, Protecting and Insuring
Originally published in May 2023. Updated November 2025. Habitat for Humanity ReStore affiliates manage extensive amounts of inventory, and with inventory comes the risk for inventory damage or injury to employees, volunteers or customers. In managing your ReStore inventory, it is important to follow safe storage best practices and to protect your inventory with insurance. [...]
PPE Best Practices for Habitat Affiliates
PPE, or personal protective equipment, is essential for affiliate operations on jobsites and at ReStores. From gloves and ear plugs to proper clothing and shoes, PPE helps protect your employees and volunteers from physical injury, chemical exposure, environmental factors and other hazards. Encouraging the use of PPE can help foster a culture of safety and [...]
Contact us
If you have questions about the Habitat for Humanity Affiliate Insurance Program, please complete the form or contact HFHInsuranceService@LocktonAffinity.com or (888) 553-9002.
Phones are answered Monday through Friday, 8 AM to 5 PM (CST).
