Gateway Specialty Insurance provides a competitive insurance program tailored specifically for nonprofit organizations — including chambers of commerce, booster clubs, parent-teacher associations, foundations, trade associations, and membership groups. As a wholesale broker with access to USLI and other top-rated markets, Gateway Specialty helps retail agents place comprehensive, affordable coverage for these unique risks.
Overview of the Program From Gateway Specialty Insurance
Nonprofit organizations serve vital roles in their communities but carry distinct liability and operational exposures. Gateway Specialty’s nonprofit program is structured to make quoting and placement simple for agents. You can expect straightforward submission requirements, fast turnaround (often same-day or next business day), and access to admitted markets where available—helpful when clients prefer admitted paper.
Ideal Accounts and Appetite
This program is designed for 501(c)(3) and similar nonprofit entities that need coverage for daily operations, board exposures, and fundraising or public events. Target classes include:
- Chambers of Commerce
- Booster Clubs and School Support Groups
- Parent-Teacher Associations (PTAs)
- Foundations and Charitable Trusts
- Trade and Professional Associations
- Membership-based nonprofits
Good fits are organizations that run periodic fundraising events, manage volunteers, or maintain a governing board. Typically this program favors groups with straightforward operations and limited or well-managed event risk. Complex nonprofits with substantial property portfolios, high volunteer payroll exposure, or unusual licensing needs may require alternative markets.
Coverage Highlights and Advantages
Policies can be written as a package or monoline to match each client’s needs. Principal coverage options include:
- Business Owners Policy (BOP)
- Directors & Officers (D&O) and Employment Practices Liability (EPLI)
- Special Events Liability
- Crime Coverage (including Employee Dishonesty)
- Hired and Non-Owned Auto Liability (in most states)
- Umbrella Liability
Gateway also offers complimentary risk management resources to help insureds lower exposures and meet venue or grant requirements.
Underwriting Notes and Minimum Premiums
The program accepts submissions with no appointment requirement and no premium commitment to quote. Minimum premium starts at $500, allowing placement of many small and mid-sized nonprofits. Underwriters typically review governance practices, event frequency and size, volunteer screening, and any fundraising/raffle activities. Provide ACORD forms and event details to speed quoting.
Territories and Availability
Available in most states: 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. Most markets are admitted, which can simplify claims handling and compliance for insureds.
Why Work With Gateway Specialty Insurance
Gateway Specialty combines wholesale distribution with access to top carriers like USLI, experienced underwriting for nonprofits, and responsive account management. Agents benefit from fast quotes, flexible packaging, and no appointment barrier to submit. Whether you’re placing a single small PTA or managing a portfolio of membership associations, Gateway aims to deliver professional service and competitive terms.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for nonprofit organizations such as chambers of commerce, booster clubs, PTAs, foundations, and membership groups.
Is there a minimum premium required?
Yes. The minimum premium for this program starts at $500, making it affordable for small and mid-sized organizations.
What coverages are available?
Coverage options include BOP, D&O, EPLI, special events, crime, hired/non-owned auto, and umbrella. Policies can be written as package or monoline.
Do agents need an appointment to submit business?
No. There is no appointment or premium commitment required to submit nonprofit business to Gateway Specialty.
How quickly can I get a quote?
Gateway Specialty offers same-day or next-day turnaround on most nonprofit submissions when complete ACORDs and event details are provided.
Need help placing an account? Connect with a market specialist.