A head for insurance. A heart for nonprofits.
That tagline says everything.
Nonprofits Insurance Alliance (NIA) has 30+ years of expertise insuring nonprofits, and a commitment to supporting the real value that nonprofits create in communities everywhere.Learn More
Nonprofits protecting nonprofits.
NIA exists only to serve the charitable nonprofit community.
Savings are passed on to nonprofits insured by NIA through fair and equitable pricing, free and highly discounted risk management services and, when results are better than expected, through the payment of generous dividends.
NIA now sets the standard for coverages and services for the nonprofit sector in the insurance marketplace.
NIA demonstrates the power of nonprofits working together.
For more than 30 years, NIA has been growing quietly within the nonprofit sector, helping nonprofits make efficient use of their insurance dollars and reducing accidents and injury.
By keeping nonprofit funds in our sector and working together to lower our risks, money is redirected into services in our communities that otherwise would end up as executive bonuses and shareholder profits.
“We have demonstrated in more than 30 years that nonprofits can more effectively and efficiently insure themselves by pooling their risks.
Working together, we have returned $50.1 million to the nonprofit sector, funds that otherwise would have become profits for the insurance industry.
Please join us. We are stronger together!”
– Pamela E. Davis, Founder, President and CEO
Who is Nonprofits Insurance Alliance (NIA)?
Nonprofits Insurance Alliance® is the tradename for a group of insurers, each of which is a public-benefit 501(c)(3) nonprofit:
- Nonprofits Insurance Alliance of California (NIAC): Provides liability insurance to 501(c)(3) nonprofits in California. Founded in 1989, NIAC is a liability insurance pool.
- Alliance of Nonprofits for Insurance (ANI): Provides liability insurance to 501(c)(3) nonprofits with locations outside California. Founded in 2000, ANI is a risk retention group.
- National Alliance of Nonprofits for Insurance (NANI): Provides property reinsurance. Founded in 2000, NANI is a captive reinsurance company.
- Alliance Member Services (AMS): Provides staff, services, and support to the other three companies. Founded in 2000, AMS is a management company that provides staff and services to the other companies in NIA.
Mission and history.
Nonprofits Insurance Alliance is a group of 501(c)(3) nonprofit, tax-exempt insurers whose purpose is to serve 501(c)(3) tax-exempt nonprofit organizations by providing a stable source of reasonably priced liability insurance tailored to the specialized needs of the nonprofit sector and to assist these organizations to develop and implement successful loss control and risk management programs.
NIA Updates is your go-to resource for staying informed with the latest news, articles, and valuable resources from Nonprofits Insurance Alliance (NIA).
Explore our blog articles, press releases, news articles, and videos covering a wide range of topics, including risk management, legal updates, fundraising strategies, and inspiring stories from nonprofits.
NIA’s committed Senior Leadership team efficiently manages a distributed workforce across 32 states, while the boards of directors, elected by member nonprofits, represent the diverse needs and commitment of the nonprofit sector.
The boards ensure good governance and actively participate in decision-making, while elections are held annually to select directors who bring valuable expertise and experience.
Nonprofits Insurance Alliance (NIA) actively advocates for nonprofits at both the federal and state levels, pushing for legislative fixes like the Nonprofit Property Protection Act (NPPA) and tackling specific challenges in different regions.
From protecting your insurance coverage to promoting fairness, NIA is here to ensure your nonprofit gets the support it needs to thrive.
Nonprofits insured by NIA are members.
Nonprofits insured by NIA aren’t customers. They’re members. NIA policyowners are also NIA’s owners.
501(c)(3) nonprofits coming together.
There are many different types of nonprofit organizations, but only 501(c)(3) federally tax-exempt nonprofits qualify for membership with Nonprofits Insurance Alliance.
A 501(c)(3) organization provides charitable, religious, scientific, literary, or educational services to the public, and is an organization which qualifies for tax-deductible donations.
Some examples include:
- Community Centers
- Senior Programs
- Counseling Centers
- Daycare and Youth Programs
- Homeless Services
- Hospices, Foster Family
- Group Homes
- Drug and Alcohol Recovery
- Animal Rescue
- Environmental Programs
- Residential Programs
- Arts and Theatre Groups
- …and many more
Nonprofits working together.
Operated by and for 501(c)(3) nonprofit organizations, Nonprofits Insurance Alliance is an ideal example of the power of nonprofits working together. It’s hard not to be amazed at the dedication, creativity, and entrepreneurship of the nonprofits NIA insures.
NIA serves a broad array of 501(c)(3) nonprofit organizations with valuable programs and services supporting youth, the disadvantaged, elderly, and countless others. With far less respect than they deserve for their professionalism and innovation, these organizations serve all of us – body, mind and spirit – and work tirelessly to enrich and protect our communities, all living creatures, and our planet.
Today, nonprofits are facing cutbacks in government funding, grants and contributions while the need for their services increases. NIA is proud to be associated with the organizations that make up this important sector, and to support their efforts by providing them with appropriate insurance coverages and risk management tools to protect their organizations and their clients.
Member composition by organization type:
- Art and Education: 27%
- Community Service: 25%
- Animal and Environmental: 14%
- Neighborhood Improvement and Social Action: 12%
- Mental Health, Health-Related, Developmental Disabilities: 8%
- Shelter, Nutrition, Employment: 7%
- Philanthropy, Volunteerism, Grantmaking: 6%
- Other: 1%
Learn more about NIA.
You’ve come this far, and you shall be rewarded with more knowledge of all things NIA.
Commercial carriers sometimes compete for nonprofit business and offer cheap rates during “soft markets,” that are later increased when the market changes.
NIA accomplishes this by relying on its extensive database of accident and injury claims — which enables NIA to more accurately assess each nonprofit’s individual risk and set appropriate coverages.
No. Nonprofits Insurance Alliance (NIA) is a group brand made up of nonprofit insurers, all rated A (Excellent) by AM Best, that exclusively insure 501(c)(3) organizations.
NIA currently insures more than 25,000 nonprofit organizations across 32 states and the District of Columbia.
In addition to coverages, NIA offers companion programs with carrier partners.
Risk retention groups (RRGs) are owned by their member policyholders, so many key advantages relate to the control that their members exert through boards of directors they elect.
This control often results in lower rates over the long term, broader coverage, specialty coverage, more fair and equitable pricing, and effective risk management programs — leading to favorable loss experience for members and the group overall.