Nonprofits Insurance Alliance

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    • Nonprofits Insurance Alliance®
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    • 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
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Home / Coverages / NONPROFITS OWN® / General Liability / General Liability Details

General Liability Details

Highlighted Features of our NONPROFITS OWN® General Liability Coverage:

(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
  • 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

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®
    • General Liability
      • 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

  • 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
    • 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
  • Webinars
  • 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.