Nonprofits need specialized coverages.
Nonprofits have insurance needs that are very specific to their operations.
NIA takes the time to understand each nonprofit’s specific operations and provide insurance coverage that’s tailored to match — at a price that is fair and equitable.
Explore Coverages
Insured by NIA:
San Gabriel Mountains Regional Conservancy
Glendora, CA
List of coverages:
Here’s the menu of NIA’s nonprofit insurance offerings.
Note: NIA’s Commercial General Liability coverage is required if you want to purchase any other coverages from NIA.
Coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury, or advertising injury. Liquor liability included at no extra fee.
Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.
Coverage for employees, volunteers, interns, students-in-training, and independent contractors for damages resulting from errors and omissions in the provision of certain professional services.
D&O, fiduciary, and employment practices (EPLI) coverage for the organization and its directors and officers, employees, and volunteers for allegations of wrongful acts. Affordable flat-rate D&O without EPLI for nonprofits without employees.
Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.
Coverage for the physical assets a nonprofit owns or leases — such as buildings, office equipment, computers, furniture, etc. Generous, modified BOP, includes business income and extra expense.
Limited coverage for injury to a volunteer or participant (depending on the coverage) on a no-fault basis. May apply prior to (or in excess of) an individual’s health insurance policy.
While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.
Brokers benefit nonprofits.
NIA works with selected independent brokers that care about providing 501(c)(3) nonprofits with the best coverage available.
Insured by NIA:
Nextstep Orlando, Inc.
Altamonte Springs, FL
Nonprofits need fair pricing.
The majority of nonprofits operate on small or restricted budgets. For most, a sudden spike in their premiums would represent a significant financial hardship.
For over 30 years, Nonprofit Insurance Alliance has been committed to providing a stable source of fair and equitable pricing.
NIA makes every effort to keep increases as modest as possible and proportionate to the risk presented.
Insured by NIA:
A Greater Hope
Victorville, CA
Want to submit 501(c)(3) business?
Latest headlines:
Hochul Signs Bill Allowing Out-of-State RRGs to Cover NY Nonprofits
New York Gov. Kathy Hochul recently signed legislation which will allow out-of-state risk retention groups (RRGs) to write auto insurance coverage to NY nonprofits.
Nonprofit Insurance & Conscious Leadership with Pamela Davis at NIA
In this interview, Pamela Davis discusses consious leadership on The Nonprofit Lab podcast.
Florida Bill Endangers Commercial Auto Coverage for RRG Members
Insurance experts, including NIA CEO Pamela Davis, weigh in on Florida Bill 516, under consideration by the Florida legislature.