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Charity First Insurance Services Inc
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Charity First Insurance Services Inc
Contact Us
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Nonprofit Insurance Program

Nationwide Nonprofit Insurance Program From Charity First

Charity First Insurance Services Inc offers a flexible, nationwide Nonprofit Insurance Program built for the real-world risks charities face. As a program manager working with a network of A.M. Best "A" rated carriers, we deliver tailored coverage and responsive service to help your nonprofit clients protect their people, programs, and property. Whether your client runs a community outreach group, faith-based ministry, counseling center, tutoring nonprofit, food bank, shelter, or an arts organization, our program scales with their operations and evolving exposures.

Ideal Accounts and Appetite

We write a broad range of nonprofit classes, with a focus on small to mid-sized organizations:
  • Social service agencies and community outreach programs
  • Faith-based and religious organizations
  • Educational and tutoring nonprofits
  • Food banks, shelters, and transitional housing programs
  • Arts and cultural organizations
  • Environmental and advocacy groups
Typical fits include volunteer-driven regional food pantries, county-level counseling centers, and community arts groups with modest property and staffing. Accounts with complex commercial operations, large revenue concentrations outside the nonprofit mission, or highly specialized professional exposures may require alternative markets.

Coverage Highlights and Advantages

Our program offers a comprehensive set of coverages you can mix and match to address nonprofit exposures:
  • General Liability and Professional Liability
  • Directors & Officers (D&O) Liability
  • Abuse & Molestation coverage options
  • Property and Inland Marine
  • Business Auto and Hired/Non-Owned Auto
  • Workers’ Compensation (in select markets)
  • Umbrella and Excess Liability
We also provide complimentary access to an online resource center with risk management tools, safety guidance, and training materials to help insureds reduce frequency and severity of losses.

Underwriting Notes and Minimum Premiums

Underwriting is responsive and pragmatic. We evaluate exposures based on mission, staff and volunteer structure, revenue sources, program delivery, and property exposures. Minimum premiums vary by class, size, and coverages requested — contact underwriting for specific guidelines and submission requirements.

Territories and Availability

The program is available in most states (we currently write business in 49 states plus Washington, DC). Admitted coverage is available in most states, with flexibility depending on the carrier and state requirements.

Why Work With Charity First?

Charity First focuses exclusively on the nonprofit sector. That specialization gives agents access to carrier partners that value charity-focused underwriting and to a team experienced in the operational realities of mission-driven organizations. We aim to deliver stable capacity, competitive options, and practical risk management support so you can place and grow your nonprofit book with confidence. You might have a client who operates a multi-site tutoring program with volunteers and owned classroom space — we can package General Liability, Property, and Volunteer Accident coverages. Or a regional shelter that needs GL, Abuse & Molestation, D&O, and Employee Practices Liability — our program can assemble those elements across admitted or non-admitted placements where available.

Frequently Asked Questions

What types of accounts are a good fit for this program?

We target social service agencies, faith-based groups, educational nonprofits, food banks, shelters, arts organizations, and similar community-focused charities—primarily small to mid-sized accounts.

Can I submit business in any state?

Yes. The program is available in most states nationwide, including CA, TX, FL, NY, and others. Admitted coverage is available in many states; availability may vary by carrier.

What coverages are included or available?

Available coverages include General Liability, Professional Liability, D&O, Property, Abuse & Molestation, Auto, Umbrella/Excess, and Workers’ Compensation in select markets. Policies can be tailored to the client’s mix of exposures.

Is there a minimum premium requirement?

Minimum premiums vary by account class, size, and the coverages selected. Reach out to underwriting for guidance on specific submissions and expected minimums.

Do you offer risk management resources for insureds?

Yes. We provide complimentary access to a digital library of safety articles, risk management tools, and training materials to help your clients reduce risk and demonstrate good loss control.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency
  • Carriers:

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CONTACT INFORMATION

LOCATION

One Market, Spear Tower, 200
San Francisco, CA 94105
800-352-2761
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Charity First Insurance Services Inc has other insurance programs like Arts, Civic & Social Clubs/Organizations Insurance.