Broker FAQ

Is the Group covered by reinsurance?

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The Nonprofits Insurance Alliance Group is conservatively reinsured by a group of highly rated reinsurers.

How do brokers get appointed?

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We work exclusively through select independent brokers and agents throughout the United States. To request appointment, please contact our Vice President of Marketing & Member/Broker Services at 831-621-6041, or email

What are brokers’ advantages of working with the Nonprofit Insurance Alliance Group?

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  • 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 Group?

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  • 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.

What commission is paid to brokers?

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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 Susan Bradshaw, Vice President of Marketing and Member/Broker Services, at 831-621-6041,

Why are there two commission structures?

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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.

Are there any appointment requirements for brokers?

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Upon appointment, brokers are required to:

  • attend our Broker/CSR 60-minute orientation webinar, and
  • participate in CSR, Member Services webinar & EDI Training

For what states do you write coverage?

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The Nonprofits Insurance Alliance Group 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 is your appetite?

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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 Group. 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.

How do I submit a Broker of Record Request (BOR)?

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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 Vice President of Marketing & Member/Broker Services 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 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 there are fewer than 10 days to the policy expiration, the existing insurance broker is requested to waive their 3 days to get a countermanding letter. If there are more than 10 days to the policy expiration, the existing insurance broker is granted 3 working days to obtain a countermanding letter from the member-insured, unless waived by the nonprofit.
  • 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 Vice President of Marketing & Member/Broker Services.
  • 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 Group 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.

What are some of the unique features of your coverages?

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General Liability

  • No Deductible (Standard)
  • Blanket Additional Insureds includes landlords, permits, mortgagees, volunteers, funders, lessors of leased equipment and charitable institutions.
  • Special Events included – charge may be made
  • Medical Payments Limit $20,000. An increase over the $5,000 or $10,000 limits commonly offered.

Directors and Officers

  • Broad Employment Practices Liability coverage
  • FREE unlimited labor and employment risk management consultations for member-insureds

Improper Sexual Conduct

  • No Deductible (Standard)
  • Superior Event Trigger Coverage Form, not Claims-Made
  • Civil defense of alleged perpetrator until he or she is convicted of a criminal offense involving sexual misconduct
  • Coverage extends to client vs. client allegations

Social Service Professional

  • No Deductible (Standard)
  • Occurrence Form, not Claims-Made
  • Broad definition of insured includes the nonprofit itself as well as medical services providers for counseling, evaluation and nursing services if a volunteer or employee. Also includes all other employees and volunteers, as well as interns and students-in-training

Privacy & Cyber Coverage

  • Endorsed to the CGL policy – full policy limits unless otherwise stated
  • “Occurrence” includes identity theft, whether stolen electronically or from printed or written materials
  • “Crisis Management & Reward Expenses” – $10,000 sublimit for PR firms, ads and rewards related to a computer breach

Business Auto Liability

  • Hired auto physical damage included with Hired Auto Liability
  • Dedicated staff claims examiner assigned to auto fleets
  • FREE driver training (online, in person, and self-study)

Non-Owned/Hired Auto Liability

  • Excess over autos owned by your employees and volunteers
  • Minimum Premium $100 – ($5 – $10 per person otherwise)
  • Hired Auto Physical Damage available subject to deductible – eliminates costly daily physical damage waivers charge by rental companies.


  • Minimum Premium of $250
  • Employee/Volunteer Dishonesty available on a specified limits basis (limits up to $500,000)
  • Business Income and Extra Expense restoration periods – 18 months


  • Covers all volunteers and participants engaged in activities of the nonprofit agency
  • Medical expense limits available from $10,000 to $250,000
  • Deductible options available from none to $250

What is the Nonprofits Insurance Alliance Group’s A.M. Best rating?

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The Nonprofits Insurance Alliance Group is rated A VIII (Excellent) by A.M. Best. A.M. Best is the premier rating agency of insurance companies. NIAC, the first company in the Group, was one of the first insurance pools, or alternative insurers, to be rated by A.M. Best. The rating process involves a rigorous review of company operations, management, history and financial position.

According to A.M. Best, “The rating recognizes the group’s excellent capitalization and operating performance, strong management, and effective niche market strategy. It also considers the companies’ strategic roles and the benefits they derive as part of the Nonprofits Insurance Alliance Group.”

How do I report a claim?

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Claims Reporting Procedure for ANI/NIAC Members

To report EMERGENCY claims during non-business hours, call 800-856-7759.

If you have had any incident contact your broker and have them file a claim using the Acord Claim Form by email to

Claims Reporting Procedure for ANI/NIAC Brokers

All new claims need to be reported through the broker.

Business Auto claims should be reported on Automobile ACORD loss notice.

General Liability claims should be reported on a General Liability ACORD loss notice.

Specialty lines claims (Improper Sexual Conduct, Social Service Professional and Directors and Officers) should be reported on the General Liability ACORD loss notice.

Property claims should be reported on the Property ACORD loss notice.

Using one of these ACORD Loss Notice forms, complete as much information as you have and send it, with any attachments provided to you by the insured, as follows:

New Claims: Submit all new claims to the Claims Department by email at:

For Information about an existing Claim: Call the claims examiner directly at the number provided by the Claims Department, or call toll free 800-359-6422, prompt 6, and ask to speak to the claims examiner.

ACORD Forms must be filled out by the Broker and emailed to us:

Member-Insured Forms

Incident Report Form

Collision Report Form

Claims Instructions for ANI/NIAC Member-Insureds

Broker Forms

GL ACORD Loss Notice

Auto ACORD Loss Notice

Property ACORD Loss Notice

Note: Even if you are sending in an incident or accident for reporting purposes only, you still need to send a completed Loss ACORD.