Coverage for injury to nonprofit volunteers or participants on a no-fault basis.
Unlike liability insurance, this applies without any showing of fault.
A great coverage to have for small slip and falls. May apply prior to (or in excess of) an individual’s health insurance policy.
Insured by NIA:
One Brick
San Francisco, CA
Highlighted features of NIA’s Participant/Volunteer Accident policies.
Summary of key features only. Actual policy language may differ.
Covered Persons:
- All designated, recorded volunteers participating in a volunteer project through the organization’s program
- All registered participants participating in supervised and sponsored organization activities
- Coverage provided by QBE and is excess of existing medical insurance of volunteer/participant
Covered Activities:
- Volunteers and participants are covered while participating in all activities which are supervised and sponsored by the organization
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.
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.
D&O, fiduciary, and employment practices (EPLI) coverage for the organization and its directors and officers, employees, and volunteers for allegations of wrongful acts. Affordable flat-rate D&O without EPLI for nonprofits without employees.
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.