Non-Profit & Social Services Insurance

Non- profit and social service organizations face exposure to a variety of different risks. Proper insurance coverage can help reduce exposing your organization to unneeded risk and ensures the facility is ready to operate.

What’s covered in a non-profit/social services insurance package?

There are typically several important areas of an insurance package.  These include:


    General Liability

    Provides coverage for your organization, employees and volunteers against claims of negligence.

    • Occurrence or claims-made forms available
    • Defense costs outside the limits
    • Our broad “Who is an Insured” definition automatically includes volunteers
    • All policies include Catastrophic Violence Response
    • Coverage for violent incidents

    Optional coverages:

    • Legal Defense Coverage - Provides coverage for defense costs which are not normally covered by other insurance policies or our policy coverage forms.
    • Increased limits for medical payments

    Management Liability

    Protects your directors, officers, trustees and other elected members of your governing body against allegations of wrongful acts.

    • Our broad “Who is an Insured” definition includes
      spouses if named in a covered lawsuit
    • Includes coverage for disputes between affiliated entities

    Optional coverage:

    • Educators’ Liability Endorsement

    Professional Liability

    Provides coverage for your organization and professionals against liability sustained resulting from errors and omissions while performing their professional duties.

    • Occurrence or claims-made forms available
    • Defense costs outside the limits
    • Our broad “Who is an Insured” definition covers a number of positions

    Abuse & Molestation

    Provides liability protection for claims involving actual or alleged acts of sexual misconduct or molestation.

    • Occurrence or claims-made forms available
    • Defense costs outside the limits
    • Covers your organization, members, officers, board members, employees and volunteers acting within the scope of their duties
    • No-fault Medical Expense coverage, which can be used to pay for professional treatment of injury (including counseling) resulting from sexual misconduct or sexual molestation incidents.

    Property Insurance

    Provides reimbursement in the event of damage to a structure and its contents by fire, theft and weather damage.

    • Large in-house limits available
    • Backup of sewers and drains is included, up to policy limits
    • Equipment breakdown is included, up to policy limits
    • Optional coverages:
    • Agreed value without coinsurance requirements
    • Limited flood coverage*
    • Earthquake or earthquake sprinkler leakage coverage

    Commercial Auto

    Protects against financial loss in the event of an automobile accident or theft and pertains to vehicle damage as well as bodily injury.

    • Business Auto Supplemental Coverages Endorsement is included - features supplementary death benefit, replacement cost coverage for new cars, limited waiver of collision deductible, loss to multiple autos and accidental deployment of an airbag
    • Optional coverages:
    • Hired and Nonowned Automobile Liability Coverage
    • Emergency road service coverage

    Umbrella Insurance

    An umbrella liability policy is designed to protect your organization from major claims, providing higher limits of insurance for such things as general and automobile liability exposure.

    • Occurrence or claims-made forms available
    • Defense costs outside the limits
    • Large in-house limits available

    Workers Compensation

    Our workers’ compensation insurance policy supports your organization’s employees should they be injured during the course of their employment.

    • A dividend program is available to insureds with qualified annual workers’ compensation premiums of $10,000 or more

    Other Coverages

    • Crime
    • Inland Marine

    Worried about the cost?

    We specialize in covering organizations just like yours.

    We have everything you need right here, including:

    • Claims responsiveness
    • Tailored coverage
    • Knowledgeable agents
    • Industry leading carriers that specialize in non-profits/social services and risk management

    Why We’re Different

    Not all insurance products are similar in price and function, that’s why it’s important to customize a portfolio to fit your specific needs.