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    • NONPROFITS OWN®
      • General Liability
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      • Flat Rate D&O
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      • Umbrella Liability
      • Businessowners Property (NIAC)
      • Improper Sexual Conduct and Physical Abuse Liability
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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…

From the CLAIM’S FILES

Uninsured Motorist:
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. While workers’ compensation paid more than $200,000 in medical and disability benefits, the employee was also entitled to additional economic and non-economic damages under the nonprofit’s uninsured motorist coverage. Those claims were settled for $350,000 without the need for litigation.

Unsafe Lane Change:
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 more than $60,000 of suspect medical treatment. By the time a court-ordered mediation was held, the claimants had fired two attorneys and hired a third. Demands at mediation were for more than $500,000 and the claims eventually settled for a total of $80,000, but not before we incurred $70,000 in defense fees and costs.

Right of Way:
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 claim was eventually litigated. The injuries were serious and damages included a loss of income claim. We settled the case at mediation for $160,000. Legal expenses, however, were more than $75,000.

Learn More

  • Flip through our 2019 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

Thanks for providing an alternative insurance source and for taking the time to understand your nonprofit clients.

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  • List of Coverages
  • NONPROFITS OWN®
    • 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
    • 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®
      • 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
    • Learn More about Working with Us
    • Request a Direct Appointment
    • States Covered
    • New Business Applications
    • Broker FAQ
  • Events
    • Webinars
    • 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
    • Stable Pricing
  • Blog
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  • Get a Quote

  

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AM Best A VIII (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 VIII (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). © 1996–2021 AMS.