Commercial General Liability

Better commercial general liability coverage for nonprofits.

Brokers love that CGL from NIA gives nonprofits robust protection and more options.

NIA offers nonprofits enduring protection by offering CGL as an occurrence (not claims-made) policy. Liquor liability is also included – at no extra fee!

This “core” coverage is required to buy any other coverage from NIA.

A group of people in native attire march across a bridge in New York

Insured by NIA:
Antinanco Earth Arts School
Holmdel, NJ

Highlighted features of NIA’s Commercial General Liability coverage.

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

(All included at no additional charge, unless noted)

  • Blanket additional insured endorsements
  • Fundraiser endorsement included
  • Liquor Liability Form (CG 00 33) included
  • Medical payments limit $20,000 (an increase over the $5,000 or $10,000 limits commonly offered)
  • Damage to property of others in member’s care, custody, or control limit $25,000 with $25,000 defense costs
  • Newly formed entities covered until end of policy period
  • Automatic liberalization
  • Client damage to employee’s or volunteer’s car limit $3,000
  • Damage to premises rented limit $500,000 and limits to $1 million available for extra charge
  • Employee Benefits Liability (EBL) available for extra charge
  • Client damage to property of others limit $5,000 occurrence/$25,000 aggregate
  • Identity theft expense limit $30,000
  • Terrorism travel reimbursement limit $30,000
  • Kidnap expense limit $50,000
  • Executive recruitment expense limit $50,000
  • Bail bonds $5,000 and lost earnings up to $1,000 per day
  • Non-owned watercraft up to 75 feet long
  • Workplace Violence Counseling limit $100,000
  • Unsatisfied Contributions limit $25,000
  • Bodily injury includes mental anguish
  • Security Event Costs and Expenses limit $50,000
  • Cyber Extortion limit $50,000
  • Cyber Breach Management and Reward Expense limit $25,000
  • Outside Aggressor Expenses limit $100,000
  • Network Security Reimbursement limit $10,000
  • Loss of Electronic Data and/or Protected Health Information limit $50,000
  • Communicable disease $250,000 defense sublimit (*subject to additional premium)

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.

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.

Insurance Brokers: 

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