Comprehensive Property and Casualty Insurance for

General Non-Profit Organizations

We offer a wide range of tailor-made solutions for a broad spectrum of clients with flexible limits based on the size of the account.

Read below to learn more about Coverage Highlights, Eligibility Requirements, and Submission Guidelines.

Property

  • Replacement Cost, Agreed Value & Blanket Limit
  • Equipment Breakdown
  • Client Monies & Securities included on property enhancement
  • Business Income/Extra Expense

General Liability
(Occurrence & Claims made available)

  • Up to $1M/3M Limits
  • Small Special Events with less than 300 participants, not high hazard
  • Broad Additional Insured included
  • Fire Legal Liability
  • Crisis Response
  • Emergency Vacating Expense

Excess

  • Up to $3M limits available upon request and review, excluding abuse
  • Excess Limits (if eligible)
  • Broad coverage over GL & PL
  • $10k Minimum Retention (SIR)

Crime

  • Employee Theft
  • Forgery or Alteration
  • Fraudulent Impersonation Coverage

Inland Marine Form

  • Blanket EDP Coverages
  • Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

  • Up to $1M/$3M Limits
  • Employed and Contracted Professionals
  • Independent Contractors (excluding MDs)
  • Abuse & Molestation for Employee/Client
  • Defense inside the Limits
  • Psychiatrist, Psychologist Coverage

Commercial Auto

  • $1M Combined Single Limit Liability
  • Employees as Insured
  • Non-Owned/Hired Auto
  • Hired Auto Physical Damage
  • Auto Loan/Lease Gap (where available)
  • $50 Towing Limit for Private Passenger Vehicles
  • Drive Other Car – Executive Officers
  • Rental Reimbursement available
  • UM/UIM Coverage

* Increased limits and additional coverage options are available. ** Available in most states.

The descriptions of these programs are only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same.

PROGRAM ELIGIBILITY

  • Big Brothers Big Sisters
  • Day Camps
  • Fraternal Organizations
  • General Non-Profits
  • Home Studies (foster care/adoption)
  • In-Home Hospice Services
  • Mentoring Exposures
  • Non-Skilled Home Health Care/Companion Care
  • Pregnancy Help Centers

  • Brochure or Website
  • Application (ISA will work off another carrier’s application or our own)
  • 5 years currently valued company loss runs with expiring premiums
  • ACORDs or Coverage Requirements
  • Audited Financials or 1120 Income Tax Returns (if For-Profit)
  • Drivers List

  • Financials or Pro-Forma Statement
  • Resume for Executive Director (showing 5 years experience)
  • Business Plan