FAQ

In the event a filed claim is not covered, work with your insurance broker to make sure that all of the facts and circumstances surrounding the claim have been properly communicated to NIA.

Lack of coverage is sometimes applicable to incidents such as:

• When the date of loss falls outside of the policy period
• When coverage is specifically excluded in the policy
• If there is no damage element to the claim

Check with your broker to see if there may be other applicable policies you have to make the claim against.

NIA's policy is a right and duty policy. Therefore, NIA chooses counsel to represent the insured from our defense panel, appropriate for each type of claim.

NIA uses its extensive experience working with nonprofits to select counsel appropriate for each claim.

NIA must estimate the total expected amount that will result from every claim. These estimates are called claim reserves.

Sometimes there may be a significant reserve increase due to new information in the discovery process, such as receipt of medical records, key depositions, or interviews of key witnesses.

Good claims handling dictates that when NIA acquires new information that changes the potential outcome of a claim, a reserve change is made either up or down.

Please note that each claim is different, and details of the claim will determine each outcome.

Your assigned adjuster is your best point of contact for information and updates related to your claim. You can also contact your broker.

Once you file a claim, NIA will send an acknowledgment stating that the claim is assigned.

Please note that specific claims will determine the expectations and timeframes for results. In some cases, and despite all efforts to the contrary, litigation can take years.

The broker may receive information about a claim’s status, including payment status and important mileposts such as litigation or trial status, upcoming mediations, and coverage.

If you are one of NIA's large business accounts, a quarterly claims review may be available as an option to you. Contact your broker to discuss scheduling.

NIA’s mission is to advocate for the nonprofits it insures, so it is ill-advised to hide facts of the claim. You should include absolutely everything to explain the claim.

Please include all correspondence and related documents, as well as any email conversations you may have explaining the situation.

For full details, refer to the Reporting Claim to NIA page.

You are also encouraged to report incidents that you believe may result in claims.

Reporting incidents will not impact your premium and may help NIA direct you to appropriate member resources and risk management assistance to help prevent claims.

Go to the Claims page to report a claim.