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
two young girls sitting on grass petting a large turtle

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.

Commercial General Liability

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.

Improper Sexual Conduct and Physical Abuse Liability

Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.

Social Service Professional Liability

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.

Directors and Officers Liability (D&O)

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.

Business Auto Liability and Physical Damage

Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.

Businessowners Property

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.

Participant/Volunteer Accident Coverage

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.

Umbrella Liability

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.

a young girl in a harness is assisted to walk by two physical therapists

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.

Two happy adults holding two happy children

Insured by NIA:
A Greater Hope
Victorville, CA

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