Nonprofits Insurance Alliance

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    • 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)
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      • Employee Dishonesty (ANI)
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Home / Coverages / NONPROFITS OWN® / Business Auto Liability

Business Auto Liability

Commercial Auto coverage may include liability only or may also provide physical damage coverage. The liability portion covers damage to other vehicles or property and injury to others in accidents for which you are at-fault. Auto physical damage covers repair of vehicles you own. Uninsured/underinsured motorist coverage may be purchased with the business auto policy and it provides coverage for accidents involving uninsured or underinsured motorists.

Enhanced Coverage of NONPROFITS OWN® Business Auto Liability

Summaries of key features only. Actual policy language will differ.

  • FREE driver training (online and self-study)
  • FREE fleet vehicle monitoring program
  • Discounted motor vehicle record (MVR) checks available
  • Combined single limit $1 million
  • Umbrella limits to $10 million available

Read more…
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From the Claims Files

Uninsured Motorist:

The Nonprofit

A ride share organization.

The Situation

A nonprofit’s employee was traveling on agency business in a car owned by the nonprofit and was rear-ended by an uninsured motorist.

The crash was severe, pushing the nonprofit vehicle into the vehicle ahead. The employee’s neck and back injuries were serious and required two surgeries over an eight-year period.

The Resolution

While workers’ compensation for medical and disability benefits was in the six-figure range — and in some states not recoverable against an uninsured motorist claim — the employee was entitled non-economic damages under the nonprofit’s uninsured motorist coverage.

The claim was settled without the need for litigation.

Unsafe Lane Change:

The Nonprofit

A children’s symphony organization.

The Situation

A nonprofit vehicle made an unsafe lane change into a passing vehicle, which then went off the highway and crashed into a call box.

The driver and passenger in the other vehicle both brought injury claims and retained an attorney. Over a four-year period, each claimant incurred suspect medical treatment costs in the five figures.

The Resolution

By the time a court-ordered mediation was held, the claimants had fired two attorneys and hired a third. Demands at mediation were in the six figures before the claims were eventually settled in the five-figure range.

NIA incurred defense fees and costs in the five-figure range.

Right of Way:

The Nonprofit

A mentoring organization.

The Situation

A nonprofit vehicle entered a highway after stopping for a stop sign. The 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.

The Resolution

The claim was eventually litigated. The injuries were serious, and damages included a loss-of-income claim.

NIA settled the case at mediation for six figures, with legal expenses in the five-figure range.

The From the Claims Files stories above are intended to be informational in nature. Please contact your insurance broker and/or agent for your specific coverage implications based on your specific situation.

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Insurance Brokers: To submit business, start by filling out a Broker Appointment Questionnaire and find more information on the Working with Us page.

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®
    • Commercial General Liability
    • Directors and Officers Liability
    • Flat Rate D&O
    • Improper Sexual Conduct and Physical Abuse Liability
    • Social Service Professional Liability
    • Employee Benefits Liability
    • Business Auto Liability
      • Business Auto Details
    • Non-Owned/Hired Auto Liability
    • Umbrella Liability
    • Auto Physical Damage (NIAC)
    • Businessowners Property (NIAC)
    • Employee/Volunteer Dishonesty (NIAC)
  • Companion Programs

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
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  • 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.