Business Auto Liability and Physical Damage

Specialized coverage uniquely designed for nonprofit vehicle usage.

Brokers rely on NIA to insure the nonprofit-specific transit risks that many other carriers won’t cover — no matter if it’s transporting students, seniors, or box-trucks of food and donations.

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

Nonprofits insured by NIA also get access to multiple risk management resources, for free or at a reduced cost — including vehicle monitoring, telematics, and driver training.

a man stands by a parked car with a waving passenger

Insured by NIA:
Neighbor Ride
Columbia, MD

Highlighted features of NIA’s Business Auto Liability and Physical Damage policies.

Summary of key features only. Actual policy language may differ.

  • Free driver training — online and self-study
  • Free fleet vehicle monitoring program and telematics for fleets of 10 or more vehicles
  • Discounted motor vehicle record (MVR) checks available
  • Combined single limit $1 million
  • Umbrella limits to $10 million may be available
  • Drive other car coverage — free upon request
  • Broad definition of insured includes nonprofit itself as well as employees and volunteers
  • Symbol One Liability Coverage available
  • NIA members in California: Hired Auto Physical Damage Coverage available subject to deductible — eliminates costly daily physical damage waivers charged by rental companies
  • NIA members outside California: Hired Auto Physical Damage coverage available for an additional premium, subject to a deductible (written by SRCS Elite)
  • Rental Reimbursement Coverage included for owned vehicles up to 30 days at $50 per day, with higher limits available
  • Uninsured/underinsured motorist (UM) waiver of collision deductible included

Coverage checklist

This PDF allows you to print and compare coverage features with your clients.

Policy forms

Available for appointed brokers only on the NIA Broker Portal.

List of coverages:

Here’s the menu of NIA’s nonprofit insurance offerings.

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.

Insurance Brokers: 

Learn more about working with NIA, how to become an NIA appointed broker, or how to submit 501(c)(3) business.