Nonprofits Insurance Alliance

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    • NONPROFITS OWN®
      • Commercial General Liability
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      • Flat Rate D&O
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      • Businessowners Property (NIAC)
      • Improper Sexual Conduct and Physical Abuse Liability
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Home / Coverages / NONPROFITS OWN® / Commercial General Liability

Commercial General Liability

This is typically the “core” coverage for a nonprofit. We provide this on an “occurrence” policy, not a “claims-made” policy. Depending on the extent of the Commercial General Liability coverage purchased, Commercial General Liability insurance may provide coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury or advertising injury to a third party.

Enhanced Coverage of NONPROFITS OWN® Commercial General Liability Coverage

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

  • Defense fees and costs outside the policy limits
  • Occurrence limit $1 million: aggregate limits to $3 million
  • Umbrella limits to $10 million available
  • Occurrence Form (CG 00 01)
  • Prior Acts Coverage available for additional charge

Read more…
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From the Claim’s Files

Slip and Fall:
A nonprofit provides janitorial work opportunities to functional disabled clients. On one occasion, a client of the nonprofit forgot to put out warning cones while mopping an office floor and the claimant slipped and fell on her way to a restroom. She suffered a torn ligament in her right knee and a right wrist sprain. The nonprofit had the right protocols in place, which included the use of warning cones, but the client simply forgot to use them. The claim was settled at mediation for $50,000. Legal expenses were more than $17,000.

Wrongful Eviction:
A nonprofit runs a transitional housing program for clients recovering from alcohol or substance abuse. The clients are required to pay subsidized rent and actively participate in the recovery programs. One client was not doing either, so with the approval of its legal counsel, the nonprofit had the client removed. The client, acting as his own attorney, filed suit in both Federal and State courts, claiming $10 million in emotional distress. The case went to a jury, and based on the nonprofit’s clear records and a subsequent compliance finding by the funding agency, we obtained a defense verdict. However, legal costs were more than $95,000.

Negligent Supervision:
A nonprofit had an annual event that included a zip line for children, which ran from hay bales stacked eight feet high down to the ground. The zip line was supervised by a volunteer who, against his better judgment, allowed a 12 year-old girl, who was very anxious and fearful, to ride. The 12 year-old fell off as soon as she left the hay bales and suffered a leg fracture that had to be surgically repaired. Concluding that liability was adverse to the nonprofit, we negotiated a structured settlement with the family’s attorney that provided for future medical care, pain and suffering, and attorney fees. The loss cost was $60,000 and because resolution of the claim was aggressively pursued once liability became clear, the legal expense was minimal.
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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
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  • List of Coverages
  • NONPROFITS OWN®
    • Commercial General Liability
      • Commercial General Liability Details
    • 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
    • Non-Owned/Hired Auto Liability
    • Umbrella Liability
    • Auto Physical Damage (NIAC)
    • Businessowners Property (NIAC)
    • Employee/Volunteer Dishonesty (NIAC)
  • Companion Programs

Learn More

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  • About
    • Nonprofits Insurance Alliance®
    • Mission & History
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    • 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
    • Submit 501(c)(3) Nonprofit Business
    • Become an Appointed Broker
    • Learn More About Working with Us
    • 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
    • Stable 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.