Nonprofits Insurance Alliance

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    • NONPROFITS OWN®
      • Commercial General Liability
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      • Flat Rate D&O
      • Non-Owned/Hired Auto Liability
      • Umbrella Liability
      • Businessowners Property (NIAC)
      • Improper Sexual Conduct and Physical Abuse Liability
      • Social Service Professional Liability
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      • Business Auto Liability
    • Companion Programs
      • Auto Physical Damage (ANI)
      • Businessowners Property (ANI)
      • Employee Dishonesty (ANI)
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Home / Coverages / Companion Programs / Businessowners Property (ANI)

Businessowners Property (ANI)

Highlighted Features of our Businessowners Property Coverage (ANI):

(All included at no additional charge, unless noted)

  • Coverage is written on “special” modified BOP form
  • Deductible amounts of $250, $500, $1,000, $2,500, $5,000 and $10,000 available
  • Low minimum premium
  • Employee/Volunteer Dishonesty Coverage available on a specified limits basis (limits up to $500,000)
  • Business Income and Extra Expense restoration periods – 18 months*
  • Water backup damage to $25,000*
  • Outdoor property limits (plants limit $1,000, and signs to $25,000)*
  • Increased Cost of Construction limit $100,000*
  • Fire Extinguisher Systems Recharge limit $25,000*
  • Arson & Vandalism Reward limit $5,000*
  • Spoilage limit $25,000*
  • Earthquake Sprinkler Leakage limit $10,000*
  • Personal Property Off Premises limits to $250,000*
  • Personal Effects limits to $25,000*
  • Valuable Papers and Records On Premises limit $25,000 and $10,000 while in transit*
  • Lock and Key Replacement limit $2,500*
  • Green Upgrades Coverage available upon request
  • Equipment Breakdown Protection and building ordinances coverages are available upon request
  • Electronic Data (digital assets) replaced or restored if damaged by a cyber attack – virus, harmful code or similar attack – $10,000 sub limit free, higher limits available up to $100,000 for additional premium*
  • Interruption of computer operations – business income and extra expense due to cyber-attack – virus, harmful code or similar attack – $10,000 sublimit*

Learn More

  • Flip through our 2021 Annual Report
  • Our Enduring Commitment to the Nonprofit Sector
  • Top 10 Reasons 501(c)(3) Nonprofits Rely on NIA
  • Help Us Win our Fight for Nonprofits in Congress with the Nonprofit Property Protection Act
View Our FAQ
Get a Quote
  • List of Coverages
  • NONPROFITS OWN®
  • Companion Programs
    • Auto Physical Damage (ANI)
    • Businessowners Property (ANI)
    • Employee/Volunteer Dishonesty (ANI)
    • Participant/Volunteer Accident

Learn More

  • See States Covered
  • Watch Video
  • FAQs

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  • About
    • Nonprofits Insurance Alliance®
    • Mission & History
    • Financials
    • Employment
    • Sustainability & Equity Practices
    • Boards of Directors
    • Senior Leadership
    • In the News
    • Videos
    • States Covered
    • Our Members
    • What Our Members Are Saying
    • FAQs
  • Coverages
    • List of Coverages
    • NONPROFITS OWN®
      • Commercial General Liability
      • Directors and Officers Liability
      • Flat Rate D&O
      • Non-Owned/Hired Auto Liability
      • Umbrella Liability
      • Businessowners Property (NIAC)
      • Improper Sexual Conduct and Physical Abuse Liability
      • Social Service Professional Liability
      • Employee Benefits Liability
      • Business Auto Liability
    • Companion Programs
      • Auto Physical Damage (ANI)
      • Businessowners Property (ANI)
      • Employee Dishonesty (ANI)
      • Participant/Volunteer Accident
  • Insurance Brokers
    • Start Here: Working with NIA
    • Submit 501(c)(3) Nonprofit Business
    • Become an Appointed Broker
    • States Covered
    • Broker FAQ
  • Events
    • Webinars
    • Live Q & A
    • Conferences
  • Contact
    • Report a Claim
    • Addresses, Phone & Map
    • Business Continuity Plan
    • Disclaimers
  • Benefits of Membership
    • Publications
    • Services
    • Tools
    • Training and Education
    • NIAC Member Loan Fund
    • Dividend Plan
    • Fair Pricing
  • Blog
  • Webinars
  • Get a Quote

  

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AM Best A IX (Excellent) Rating

The insurance policy, not this website, forms the contract between the insured and the insurer. The policy may contain limits, exclusions, and limitations that are not disclosed in this website. Coverages may differ by state. NIAC, ANI, and NANI are AM Best A IX (Excellent) insurers with 501(c)(3) nonprofit status. Nonprofits Insurance Alliance® is a brand of Alliance Member Services® (AMS).
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Nonprofits Insurance Alliance® (NIA) is a brand of Alliance Member Services® (AMS). © 1996–2022 AMS.