Commercial General Liability is typically the “core” coverage for a nonprofit.
Depending on the extent of the 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.
NIA provides this as an occurrence policy, not a claims-made policy. What’s the difference?
Over 25,000 nonprofits have coverage with NIA!
When you buy insurance from NIA, you get coverage that is designed specifically for nonprofits and fair pricing – so you won’t be surprised by large and unexpected pricing swings!
NIA is a nonprofit organization itself! Who understands nonprofits better than another nonprofit?
Get a Quote
Enhanced Coverage of NONPROFITS OWN® Commercial General Liability Coverage
Summary of key features only. Actual policy language will differ.
(All included at no additional charge, unless noted)
- 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
More Commercial General Liability details...
- Blanket additional insured endorsements
- Fundraiser endorsement included
- Liquor Liability Form (CG 00 33) included
- Medical payments limit $20,000 (an increase over the $5,000 or $10,000 limits commonly offered)
- Damage to property of others in member’s care, custody, or control limit $25,000 with $25,000 defense costs
- Newly formed entities covered until end of policy period
- Automatic liberalization
- Damage to premises rented limit $500,000 and limits to $1 million available for extra charge
- Client damage to employee’s or volunteer’s car limit $3,000
- Client damage to property of others limit $5,000 occurrence/$25,000 aggregate
- Identity Theft Expense limit $30,000
- Terrorism Travel Reimbursement limit $30,000
- Kidnap Expense limit $50,000
- Executive Recruitment Expense limit $50,000
- Bail Bonds $5,000 and Lost Earnings up to $1,000/day
- Non-owned Watercraft up to 75 feet long
- Workplace Violence Counseling limit $50,000
- Unsatisfied Contributions limit $25,000
- Bodily injury includes mental anguish
- Security Event Costs and Expenses limit $50,000
- Cyber Extortion limit $50,000
- Crisis Management and Reward Expense limit $25,000
- Outside Aggressor Expenses limit $50,000
- Network Security Reimbursement limit $10,000
- Loss of Electronic Data and/or Protected Health Information limit $50,000
From the Claims Files
Slip and Fall:
The Nonprofit
A program that provides janitorial work opportunities to functional disabled clients.
The Situation
A client of the nonprofit forgot to put out wet floor warning cones while mopping an office 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 Resolution
The claim was settled at mediation. Legal expenses were in the five-figure category.
Wrongful Eviction:
The Nonprofit
A transitional housing program serving clients recovering from alcohol or substance abuse.
The Situation
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 the nonprofit’s own legal counsel, the nonprofit had the client removed.
The client, acting as his own attorney, filed suit in both federal and state courts, demanding seven figures in emotional distress damages.
The Resolution
The case went to a jury trial and the member was able to obtain a defense verdict based on the nonprofit’s clear records and a subsequent compliance finding by the funding agency. However, legal costs were close to six figures.
Negligent Supervision:
The Nonprofit
A nonprofit had an annual event that included a zipline for children, which ran from hay bales, stacked eight feet high, down to the ground.
The Situation
The zipline was supervised by a volunteer who, against his better judgment, allowed a very anxious and fearful 12-year-old girl 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.
The Resolution
The claim was settled at mediation. Legal expenses were in the five-figure category.
Concluding that liability was adverse to the nonprofit, NIA 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 in the five-figure range and, because resolution of the claim was aggressively pursued once liability became clear, the legal expenses were minimal.
Insurance Brokers: To submit business, start by filling out a Broker Appointment Questionnaire and find more information on the Working with NIA page.
Testimonials
HIP Housing
San Mateo, CA
“NIAC understands our needs and offers super relevant trainings. We are very grateful for our partnership with NIAC. Not only does it mean our insurance is fairly priced, but because they are a nonprofit too, it means our dollars stay in the nonprofit sector.”
—Kate Comfort, HIP Housing
Boys & Girls Clubs of Garden Grove
Garden Grove, CA
“NIAC’s webinars and employment advice have saved us thousands of dollars annually and have helped us manage our workforce ethically and compliantly. They offer sound and qualified advice and are always accessible, even at the most pressing times.”
—Mark Surmanian, M.B.A., Boys & Girls Clubs of Garden Grove
Child, Inc.
Wilmington, DE
“Any time I am faced with a significant personnel decision, I consult an expert at ANI’s Employment Risk Management service. I always get prompt, expert advice delivered in a professional but friendly manner. As unpleasant as these personnel matters can be, it is always a relief knowing I have considered all the options, minimized the risk to the agency and consulted with an expert.”
—Tim Brandau, Child, Inc.
Healthy Smiles for Kids of Orange County
Garden Grove, CA
“We were surprised to learn about all the value-added benefits with NIAC. Having a consultant available to help us determine what services are best for our organization is very helpful.”
— Monica Havert, Healthy Smiles for Kids of Orange County