Nonprofit
ABOUT THIS COVERAGE:
- Financial stability of a carrier rated A++ by A.M. Best
- Available on an admitted and non-admitted basis
ARTS AND CULTURE
We target nonprofit performing arts groups, theater companies, orchestras and choral groups as well as art galleries, museums and theater buildings. Our package includes abuse and molestation as an added protection for those groups working with children or teaching classes. Inland marine is also available for traveling theater groups.
Preferred Classes:
- Art groups
- Choral groups
- Galleries
- Museums
- Orchestra
- Theater buildings
- Theater companies
- Traveling theaters
BUSINESS ASSOCIATIONS
Our competitively-priced package solution provides coverage for meetings and networking events for business membership organizations, chambers of commerce, professional associations and trade associations. Blanket special event coverage is also available to handle frequent fundraising activities. Our educational enhancement endorsement is included to cover business seminars and instructional workshops. Abuse and molestation coverage is also available up to $1,000,000.
Preferred Classes:
- Business membership organizations
- Chambers of commerce
- General membership group
- Professional associations
- Trade associations
CHARITIES
A product designed for charitable organizations and fundraising organizations including arts and cultural support, booster clubs, foundations and parent/teacher associations. We can offer blanket special event coverage and extend coverage to concessionaire activities. Abuse and molestation coverage is offered up to $1,000,000 to support youth-focused organizations and fulfill school requirements. Our educational enhancement endorsement is available for their seminars and workshops.
Preferred Classes:
- Booster clubs
- Community support groups
- Foundations
- Parent/teacher associations
CONDO/HOMEOWNERS ASSOCIATIONS
We target homeowner, townhome, and residential condominium associations. Our broad eligibility allows for a variety of amenities including pools, lakes, and beaches. We offer community association directors and officers to protect board members for decisions made in managing the association. Also, we are capable of offering property coverage up to $1.5 million total insurable value (TIV) and address a growing niche opportunity of dwellings converted into condominium associations in major metropolitan cities.
Preferred Classes:
Community Associations
- Condominium associations
- Homeowner associations
- Townhome associations
FRATERNAL CLUBS
This product is designed for nonprofit clubs and private membership organizations such as auxiliary groups, cultural organizations, ethnic clubs, hobby clubs, military private membership groups, social clubs, veteran organizations and clubs of many varieties. Our package can also offer commercial liquor liability with assault and battery coverage.
Preferred Classes:
Social Clubs/Membership Organizations
- Auxiliary groups
- Cultural organizations
- Fraternal clubs
- Hobby clubs
- Military social clubs
- Private membership groups
HOUSES OF WORSHIP
A product designed for houses of worship, including churches, synagogues, mosques and temples for all faiths and denominations. Fundraisers, special events and outreach activities are automatically included. Also, we can consider organizations involved in wide variety of activities not limited to food banks, soup kitchens, thrift stores, mission work, prison ministries, retreats, and youth programs. Our package provides optional coverage for pastoral professional, abuse and molestation, and defense reimbursement costs on certain criminal proceedings.
Preferred Classes:
Religious Organizations
- Bible study groups
- Houses of worship
- Mosques
- Synagogues
- Temples for all faiths
NONPROFIT PREMISES PREFERRED
This product is designed for nonprofit organizations that only require premises liability to comply with lease requirements. The landlord can be added as an additional insured for no additional premium.
NONPROFIT UMBRELLA / EXCESS GENERAL LIABILITY
Umbrella/Excess capabilities are available over risks matching our underlying appetite. No Self Insured Retention (SIR) required and coverage can be extended over the USLI nonprofit directors and officers policy. The minimum attachment point is $1,000,000 for commercial umbrella and $500,000 for excess commercial liability
SOCIAL SERVICES
Suitable for a broad range of nonprofit service organizations such as caregivers (non-medical), counseling and referral agencies, food banks/soup kitchens, hospices, thrift stores, shelters/halfway houses, mentally disabled – residential and day programs, and youth mentoring. Our package also offers abuse and molestation and social service professional coverage, each with a separate limit of liability. Abuse and molestation limits are available up to $1,000,000.
Preferred Classes:
Community
- Animal shelters/rescues
- Botanical gardens
- Caregivers (non-medical)
- Community and religious outreach
- Community centers
- Conservation group
- Food bank/Soup kitchens
- Historical societies
- Horticultural societies
- Mentally disabled – residential and day programs
- Rescue missions
- Senior activity centers
- Thrift stores
- Vocational/Sheltered workshops
Counseling/Mental Health
- Abused adult counseling
- Anxiety and stress management
- At-risk youth
- Career and budget counseling
- Employment services
- Parenting education
- Referral agency
- Substance abuse
- Support groups
Youth Programs
- After school programs
- Big Brother/Big Sister programs
- Youth mentoring and recreation
SPECIAL EVENTS
When there is a need for standalone event coverage, this product can provide general liability and/or liquor liability for events with up to 10,000 attendees per day. Property owners can be added as additional insureds at no extra cost. Preferred pricing for host liquor liability is available in many states.
SPORTS ORGANIZATIONS
A solution for organized adult and youth sports teams, camps, clinics and multi-sport associations. We handle a wide variety of sports including, but not limited to baseball, basketball, flag football, golf, lacrosse, soccer, softball and tennis. Our package can also offer abuse and molestation, inland marine and assault or battery coverage. Athletic participant coverage can be available for youth sports.
Preferred Classes:
- Sports (camps, clinics, leagues, and teams)
- Baseball
- Basketball
- Flag Football
- Golf
- Lacrosse
- Soccer
- Softball
- Tennis
NONPROFIT DIRECTORS AND OFFICERS PROFESSIONAL LIABILITY
Product Features:
- Defense outside the limit (up to 200 employees if a $500,000 limit or higher is chosen)
- 100 percent allocation of defense costs
- Broad definition of employee to include independent contractors
- Full prior acts coverage for claim-free accounts
- Wage and Hour sublimit for indemnity and defense (not in CA or FL)
Top Classes:
- Charity organizations
- Churches/Temples
- Foundations
- Membership organizations
- Professional/Trade associations
- Social services organizations
State Availability: National
