Higher limits for a variety of coverages.
While a $1 million limit works for the majority of claims, umbrella liability provides the excess protection some nonprofits may need.
Note: NIA’s Commercial General Liability is required if you want to purchase this coverage.
Insured by NIA:
AbleCloset
Shady Cove, OR
Highlighted features of NIA’s Umbrella Liability policies.
Summary of key features only. Actual policy language may differ.
- Umbrella limits up to $3 million available for most liability lines. For well-qualified low-to-moderate risk accounts, limits up to $5 million may be considered, subject to underwriting review and available capacity.
- Limits offered reflect a thoughtful underwriting approach and are tailored to the individual risk. Higher-hazard classes typically qualify for more conservative limit offerings.
- Our umbrella is written on a follow form basis and may include coverage over the following underlying policies: Commercial General Liability, Commercial Auto, Board & Executive with options for D& O, Fiduciary, and EPLI, and Improper Sexual Conduct and Physical Abuse Liability (When available, coverage for ISCPA is offered with limits up to $1 million, subject to underwriting guidelines), Employers Liability, Social Service Professional Liability.
Coverage checklist
This PDF allows you to print and compare coverage features with your clients.
Policy forms
Available for appointed brokers only on the NIA Broker Portal.
List of coverages:
Here’s the menu of NIA’s nonprofit insurance offerings.
Note: NIA’s Commercial General Liability coverage is required if you want to purchase any other coverages from NIA.
Coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury, or advertising injury. Liquor liability included at no extra fee.
Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.
Coverage for employees, volunteers, interns, students-in-training, and independent contractors for damages resulting from errors and omissions in the provision of certain professional services.
Board & Executive is NIA’s brand name for a group of coverages that provide protection for boards of directors and executives. Includes options for Directors and Officers (D&O), Fiduciary Liability, and EPLI.
Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.
Coverage for the physical assets a nonprofit owns or leases — such as buildings, office equipment, computers, furniture, etc. Generous, modified BOP, includes business income and extra expense.
Limited coverage for injury to a volunteer or participant (depending on the coverage) on a no-fault basis. May apply prior to (or in excess of) an individual’s health insurance policy.
While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.