Overview of the Program from Gateway Specialty Insurance
The Nonprofit and Social Services Insurance Program is built for retail agents and brokers who place nonprofit business. Whether you have a few nonprofit clients or manage a larger book of social service risks, Gateway Specialty gives you access to stable, A++ rated carriers with admitted and non-admitted options. For qualified submissions we typically provide same-day or next-day quotes, and you do not need an appointment or minimum volume to get started.
Ideal Accounts and Appetite
The program fits a broad range of nonprofit and human services organizations, including:
- Community outreach programs
- Substance abuse and mental health services
- Domestic violence and emergency shelters
- Job training and workforce development centers
- Youth mentoring and after-school programs
- Food banks, meal delivery, and pantry operations
You might have a client that runs a small counseling clinic or a regional food pantry — both are well within our appetite. We also consider accounts with social service components that require specialized underwriting due to higher exposure or program complexity.
Coverage Highlights and Advantages
Gateway’s package options can be tailored to include combinations of:
- General Liability
- Professional Liability
- Abuse and Molestation coverage
- Directors & Officers (D&O)
- Property and Inland Marine
- Workers’ Compensation (where available)
Policyholders also gain value through free risk management services such as background checks and an HR hotline, helping clients reduce exposure and manage day-to-day operations.
Underwriting Notes and Minimum Premiums
We work with top carriers including USLI, CapSpecialty, and Alliance of Nonprofits for Insurance. Our underwriters understand nonprofit operations and common loss drivers, which helps accelerate quoting and binding for routine accounts.
Gateway aims to be flexible on premium size and does not require a specific appointment or minimum premium to submit business. For accounts with elevated risk or complex programs, underwriters may request additional information or tailored terms.
Territories and Availability
This program is available in nearly all states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, and WY.
Why Work with Gateway Specialty Insurance?
Focusing exclusively on nonprofits and social services gives Gateway deep underwriting knowledge and streamlined placement processes. Agents and brokers benefit from:
- Fast, flexible quoting with A++ rated carriers
- Admitted and non-admitted market options
- Dedicated underwriting and program expertise for nonprofits
- No appointment or volume commitment required
- Access to free policyholder tools (background checks, HR hotline, etc.)
To learn more or get started, visit www.gatewayspecialty.com or call 877-977-4474.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for nonprofits and social service organizations such as counseling centers, food banks, youth programs, shelters, and job training services.
Do I need an appointment to submit business?
No appointment or premium commitment is required to submit and bind business through Gateway Specialty Insurance.
Are both admitted and non-admitted markets available?
Yes, we offer both admitted and non-admitted options through top-rated carriers, depending on the state and the risk profile.
What value-added services are included for policyholders?
Policyholders receive access to free resources such as background checks and a human resources hotline to support daily operations and compliance.
How quickly can I get a quote?
For qualified accounts, we can typically provide same-day or next-day quotes.
Need help placing an account? Connect with a market specialist.