What is your appetite?
There are many different types of nonprofit organizations, but only 501(c)(3) federally tax-exempt nonprofits qualify for membership in the Nonprofits Insurance Alliance. Some examples include: Community Centers, Senior Programs, Counseling Centers, Daycare and Youth Programs, Homeless Services, Hospices, Foster Family Agencies, Group Homes, Drug and Alcohol Recovery, Animal Rescue, Environmental Programs, Residential Programs, Arts and Theatre Groups and many more.
For what states do you write coverage?
The Nonprofits Insurance Alliance provides liability insurance only for 501(c)(3) nonprofit organizations. Coverage is currently available in the following states: Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Texas, Utah, Vermont, Virginia, Washington and Wisconsin.
What are brokers’ advantages of working with the Nonprofit Insurance Alliance?
- Ease of doing business: Secure 24/7 website for information exchange.
- Productivity: Advanced technology tools like Electronic Data Interchange (EDI).
- Inspired service: Fast, proactive response from specialized nonprofit insurance professionals.
- Automatic renewal for small accounts.
- Expertise: 501(c)(3) nonprofits are our only business.
Why do brokers’ nonprofit clients appreciate working with the Nonprofit Insurance Alliance?
- Exclusive nonprofit focus: All products and services especially tailored to the nonprofit sector by companies they control.
- Stable pricing: No unexpected spikes in premiums.
- Expert claim-handling: We look for coverage, not reasons to decline claims.
- Risk management services save our members millions of dollars.
How do brokers get appointed?
We work exclusively through select independent brokers and agents throughout the United States. To request appointment, please contact Dottie Savage, Underwriting and Broker Services Manager at 831-621-6021, or email firstname.lastname@example.org.
Upon appointment, brokers are required to:
- attend our Broker/CSR 60-minute orientation webinar, and
- participate in CSR, Member Services webinar & EDI Training
What commission is paid to brokers?
Brokers receive a commission based on how much business they do with us. Our present commission structure is:
- Less than $50,000 in force liability premium = 10%
- Greater than or equal to $50,000 in force liability premium = 15%
Property premium for NIAC IS included in determining commission for NIAC.
Property premium written by North American Elite (NAE) for ANI is NOT included in determining commission for ANI.
The commission being paid for ALL property business remains at 10%.
NOTE: Commission is based on the total book of in force liability premium at year-end unless otherwise noted. Commission rates are reviewed at the end of each year.
If you have any questions about our policy, contact Dottie Savage, Underwriting and Broker Services Manager, at 831-621-6021, email@example.com.
Why are there two commission structures?
Brokers who do less than $50,000 of business with us require significant additional time from our staff to answer questions and complete the application and renewal process; that’s why the commission is lower. Some insurance carriers refuse to work with brokers unless they have a “book” of many hundreds of thousands or even $1 million in premium from nonprofit business. We don’t have that policy. We believe it’s in the best interest of nonprofits to work with a wide range of qualified brokers. However, to work with these brokers efficiently, we find that we need to offer them a lower commission.
NOTE: The premium paid to the Nonprofits Insurance Alliance Group is the same regardless of the broker commission.
How do I submit a Broker of Record Request (BOR)?
A Broker of Record (BOR) is a request from the nonprofit to transfer their account to a new insurance broker. Any BOR request must be approved by the Broker Services Manager before the BOR is processed. To submit a BOR, please be aware of the following:
- The first step is to submit a BOR request letter to firstname.lastname@example.org. This letter must be signed by someone who is authorized to make insurance decisions at the nonprofit, such as a member of management or the board of directors, and it must be on the organization’s letterhead and include both the signer’s printed name and title.
- Before we will accept a BOR, the nonprofit must be up-to-date on payments owed. If there is an outstanding balance, we will halt the process until payment is received.
- If the nonprofit is on Agency Bill, we will ask the new insurance broker to confirm that they are willing to take responsibility before we proceed.
- Once we have received a BOR request with an authorized signature, we send a notice to both insurance brokers informing them of the request.
- The incumbent insurance broker has 3 days to secure a countermanding letter. If a countermanding letter is not received, the BOR will be processed.
- If the incumbent broker informs us that they will not be seeking a countermand or if the three day allowance passes, the BOR will be processed.
- Once processed, the new broker will receive an email advising that the policies have been released. Upon this notification, the policies can be found by logging on to our secure website.
In addition to these steps, please note the following:
- We only accept BOR requests on active member-insureds. BORs are not normally accepted on new business, unless an exception is approved by the Broker Services Manager.
- A BOR may be received and approved at any time during the policy term. However, we recommend that BOR’s be executed at least 60 days prior to the renewal of the insurance policy.
- The new insurance broker must have other business with the Nonprofits Insurance Alliance and be an active insurance broker in good standing. If the new broker is not actively appointed with us, the BOR request may be submitted through one of our wholesalers.
- Commission paid on an account subject to a BOR does not change. Resolution of any disputes regarding commission or other issues between brokers is the responsibility of the brokers themselves, and not ANI or NIAC.
How do I report a claim?
Call 866-718-1947 to report EMERGENCY claims during non-business hours.
If you have had any incident, contact your broker and have them file a claim using a Loss Notice form by email to email@example.com.
All new claims must be reported by the broker on a Loss Notice form as indicated below:
- Business Auto claims should be reported on an Automobile Loss Notice form.
- General Liability claims should be reported on a General Liability Loss Notice form.
- Specialty lines claims (Improper Sexual Conduct, Social Service Professional and Directors and Officers) should be reported on the General Liability Loss Notice form.
- Property claims should be reported on the Property Loss Notice form.
Using one of these Loss Notice forms, complete as much information as you have and send it, with any attachments provided to you by the insured to the following email: firstname.lastname@example.org.
For Information about an existing claim, please log into our secure website. Most of the information requests we receive by phone and email are for information about claims that is readily available on our secure website 24/7. Claim number, date of loss, adjuster name, short description, and even some detailed information such as vehicle involved (if applicable). The secure page also lists reserves and payments made. Check it out today!
Loss Notice Forms must be filled out by the broker and emailed to us:
Note: Even if you are sending in an incident or accident for reporting purposes only, you still need to send a completed Loss Notice form.