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 24,000 nonprofits have coverage with NIA!
When you buy insurance from NIA, you get coverage that is designed specifically for nonprofits and stable 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?
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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 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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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