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.
Note: NIA’s Commercial General Liability is required if you want to purchase this coverage.
Insured by NIA:
Neighbor Ride
Columbia, MD
Highlighted features of NIA’s Commercial Auto policies.
Summary of key features only. Actual policy language may differ.
- Free driver training — online and self-study
- 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 up to $3 million may be available
- Drive other car coverage is available upon underwriting approval
- 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 by default 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.
From the Claims files:
Here are a few examples of how NIA’s Commercial Auto coverage has helped nonprofits.
A nonprofit’s employee was traveling on agency business in a car owned by the nonprofit and was rear-ended by an uninsured motorist.
A nonprofit vehicle made an unsafe lane change into a passing vehicle, which then went off the highway and crashed into a call box.
A nonprofit’s driver failed to notice a motorcycle traveling down the highway, which had no stop sign and the right of way. The motorcycle crashed and the rider was injured.
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.
Board & Executive is NIA’s brand name for a group of coverages that provide protection for boards of directors and executives. Includes options for Directors and Officers (D&O), Fiduciary Liability, and EPLI.
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.