The Nonprofits OWN Policy -- Insurance for Nonprofits

	Currently insuring 12,251 nonprofits in 31 states and DC

List of Coverages 501(c)(3) Nonprofits Nonprofits Own Insurance Insurance FAQ Read a history of how the Group started	The Nonprofits OWN Policy The Nonprofits' OWN is a policy form designed exclusively for 501(c)(3) nonprofit organizations. Nonprofits' OWN offers specialty General Liability, Auto Liability, Social Service Professional Liability, Improper Sexual Conduct Liability, and Directors & Officers Liability insurance forms. Nonprofits' OWN offers important enhancements to the General Liability and Auto Liability policies as well as unique event-trigger coverage on the Directors & Officers and Improper Sexual Conduct policies. The Nonprofits’ OWN policy provides a combination of coverage not available anywhere else. Under one policy number, Nonprofits’ OWN offers the ability to purchase enhanced General Liability and Auto coverage as well as Improper Sexual Conduct, and Directors & Officers coverage, available on an event-trigger basis. No more claims made! Nonprofits’ OWN What are the automatic enhancements on Nonprofits' OWN General Liability? The following are automatically included with every Nonprofits' OWN policy: Blanket Additional Insured. Includes CG 2010 (Owners, Lessees, Contractors, CG 2011 (landlords), CG 2012 (permits), CG 2018 (mortgagee), CG 2020 (charitable institutions), CG 2021 (volunteers), CG 2026 (funders) and CG 2034 (lessor of leased equipment). Special events coverage is available $500,000 limit for Damage to Premises Rented to You (aka Fire Legal) provided. Limits up to $1,000,000 are available and may be purchased upon request. Medical Payments included at a $20,000 limit Workplace Violence Counseling, $50,000 limit Unsatisfied Contributions, $25,000 limit Non-owned Watercraft (up to 75 feet) Bail Bonds, $5,000 limit Expenses incurred to assist in claim defense, $1,000 a day Newly Formed Entities until end of policy period Identity Theft Reimbursement, $30,000 Terrorism Travel Reimbursement, $30,000 Kidnap Expense, $50,000 Executive Recruitment Expense, $50,000 Aggregate Limits Per Location endorsement - CG 2504. We know our members with multiple locations appreciate this enhancement. Revised Care Custody and Control Exclusion to Provide Limited CCC Coverage up to $25,000. Did you know that property of others in your care, custody, and control is excluded under a general liability coverage form? Many members have expressed disbelief surrounding this issue, so we have written an endorsement to address this. It still requires the insured be liable. It is excess over any other available insurance. Liquor Liability, CG 0033. Some of you have been concerned about the adequacy of “host liquor” coverage available in the general liability coverage form, so we wanted to assuage your concerns by providing liquor liability coverage on its own form. Limited Coverage to Employees' and Volunteers' car if damaged by client of nonprofit. From time to time, we receive claims when a client damages an employee's or volunteer's personal automobile. So, we have created this endorsement to provide deductible reimbursement coverage up to $1,000. What are the automatic enhancements on the Nonprofits OWN Owned Auto insurance? The following are automatically included on the Nonprofits OWN policy when Owned Auto insurance is purchased: Symbol One Liability Coverage provided. This is the broadest coverage symbol available. Rental Reimbursement, CA 9923, up to 30 days @ $50 a day is available. A valuable enhancement when a covered auto incurs a loss. Employees and Volunteers as Insured, CA 2054 and CA 9934. Knowing that nonprofits frequently rely on volunteers and employees to use their own vehicles on agency business, this coverage is much needed. Waiver of Collision Deductible, CA 0305, provided on all eligible autos. Drive Other Car (DOC) - CA 99 10 - FREE when requested Hired auto physical damage available Free Defensive Drivers Training Program Free Vehicle Monitoring Program What is special about Nonprofits OWN Directors & Officers policy? If Nonprofits' OWN General Liability is bound, nonprofits are eligible to apply for event-trigger D&O coverage. Remember, in addition to this unique, event-trigger form, ANI or NIAC's D&O policy also offers: Defense outside the policy limits Zero policy deductible Free Employee Handbook Review $25,000 defense-only coverage provided for breach of contract and wage and hour claims In addition, we pay for unlimited labor and employment risk management consultations for members which purchase ANI or NIAC D&O coverage. Call (800) 359-6422 and ask to speak to one of our Labor and Employment Risk Managers regarding a consultation (or email laborandemployment@insurancefornonprofits.org. What is special about the Nonprofits' OWN Improper Sexual Conduct form? When Nonprofits' OWN General Liability is bound, the nonprofit has the option of purchasing ISC coverage. ISC is offered on an event-trigger basis. Remember that the ISC coverage form also offers: Limits of up to $1,000,000 each claim and $3,000,000 aggregate available, with higher limits available with purchase of an Umbrella policy. Up to $10,000 reimbursement of wages policy limit for an employee suspended from work with pay during an Improper Sexual Conduct investigation Defense of alleged perpetrator until he or she is convicted of a criminal offense involving sexual conduct Coverage extends to client vs. client allegations No deductible Volunteers and employees are included as insureds Discounted background check pricing available	Upcoming Events/Webinars Resources Testimonials Videos BOARDnetWORK

The Nonprofits OWN Policy

Nonprofits’ OWN