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Overview — Charity First: Arts, Civic & Social Clubs/Organizations Insurance Charity First Insurance Services Inc is a nationwide program manager that helps independent agents place insurance for nonprofit arts groups, civic organizations, social clubs and similar community-based entities. Our Arts, Civic & Social Clubs/Organizations Insurance program is backed by multiple A.M. Best "A" rated carriers and is designed to adapt as a nonprofit’s operations evolve. Charity First combines market access with nonprofit-specific underwriting and complimentary risk management resources to help your clients reduce exposures and manage claims. Ideal accounts and appetite This program is built for nonprofit and community organizations including (but not limited to): Community theaters, art centers and galleries Civic clubs, historical societies and rotary-type organizations Neighborhood social clubs, fraternal groups and booster clubs Community festivals, fundraisers and volunteer-run events Small-to-mid size music and performance groups Accounts that fit well are typically volunteer-run or staffed by a small payroll, hold periodic events or performances, own or lease modest facilities, and seek broad nonprofit-focused protection. High-hazard operations, large-scale commercial events, or organizations with unusual professional liabilities may require prior discussion with underwriting. Coverage highlights and advantages Flexible package options for General Liability, Property, Event and Volunteer exposures. Access to nonprofit-focused endorsements and specialized limits appropriate for community organizations. Claims handling and policy forms provided through well-known, highly rated insurance companies. Complimentary access to a library of safety articles and risk-management tools to help your clients reduce loss frequency and severity. Program administration and underwriting tailored to the nonprofit marketplace — faster turnaround and clearer guidelines for common nonprofit exposures. Underwriting notes and minimum premiums Underwriting is focused on the nonprofit’s operations, size, revenue, frequency of events, volunteer exposure and any alcohol or special activities. Charity First evaluates each account with nonprofit experience in mind and places risks with carriers that understand community organizations. Minimum premium: Varies by state, line of coverage and carrier. Because minimums depend on the chosen market and the insured’s exposure profile, submit a simple Acord and supplemental details for a prompt indication. Territories and availability Charity First’s Arts, Civic & Social Clubs/Organizations Insurance program is available in most states (see territories listed on the program page). Because carrier appetite and admitted status can vary by state, Charity First places accounts through a mix of admitted and non-admitted markets as appropriate for the risk. Why work with Charity First on this business Specialized nonprofit focus — underwriters and service teams experienced with the common exposures of arts and civic organizations. Wide market access — multiple A-rated carriers provide choices for admitted and non-admitted placements. Agent-friendly underwriting — practical submission requirements and access to risk-management materials you can share with clients. Efficient quoting for routine nonprofit risks and the flexibility to handle more complex or event-driven accounts on a case-by-case basis. Example account scenarios You might have a community theater seeking general liability, property and event coverage for seasonal productions and volunteer staff. Or a civic club that hosts a summer music series and needs event liability and liquor liability options for short-term fundraisers. Both are the types of accounts Charity First routinely places with carriers that understand nonprofit operations. Frequently Asked Questions What types of accounts are a good fit for this Charity First program?Small-to-mid-size nonprofit arts groups, community theaters, civic clubs, social clubs, historical societies and volunteer-run events are a strong fit. The program favors organizations with limited payroll, regular volunteer activity and routine community events. Which coverages can I place through this program?Carriers in the program offer flexible packages that commonly include general liability, property, event liability, volunteer liability and nonprofit-friendly endorsements. Specific coverages and limits depend on the carrier selected and the insured’s exposures. How do underwriting and minimum premiums work?Underwriting evaluates the organization’s operations, events, volunteer exposure and alcohol or special activities. Minimum premium varies by state and carrier; submit basic application materials to receive an accurate indication for a specific account. In which states is the program available?The program is available in most states. Availability and admitted status depend on the carrier selected; Charity First places accounts in the territories where its carrier partners are licensed or through surplus lines where appropriate. Need help placing an account? Connect with a market specialist.

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At Charity First, we put your charity first. As a nationwide program manager focused on nonprofit organizations, Charity First partners with A.M. Best "A"-rated carriers and other respected insurers to provide tailored, flexible coverage for community-centered operations. Our program combines marketplace access, nonprofit underwriting expertise, and complimentary risk-management resources designed to help your clients control exposures and lower loss frequency. Overview of the Program from Charity First Insurance Services Inc Community Centers Insurance from Charity First is a specialty program designed for nonprofit community centers, neighborhood houses, and similar civic organizations. The program is offered through a network of admitted and non-admitted carriers (varies by state) and is placed through Charity First as a general agency to give agents broad market access and specialized underwriting for nonprofit risks. Ideal Accounts and Appetite Community centers, neighborhood resource hubs, and recreational nonprofit facilities. Organizations that operate educational programs, after-school care, senior activities, food distribution, and volunteer-led events. Facilities with moderate property values, organized volunteer programs, and documented safety policies—including background checks and written operational procedures. Not a good fit: organizations with high-hazard activities (e.g., regular youth overnight camping, large amusement rides), significant habitational exposures, or severe prior loss histories without demonstrated remediation. Coverage Highlights and Advantages General liability tailored to nonprofit operations, including limits and wording relevant to volunteers and program services. Property coverage for owned and leased premises, with options for equipment, contents, and business interruption tied to community services. Volunteer accident coverage and optional directors & officers (D&O) and employment practices liability (EPLI) to protect boards and staff. Access to A.M. Best "A"-rated markets and multiple carrier options to improve placement likelihood. Complimentary risk management library and safety guidance to help reduce frequency and severity of claims. Underwriting Notes and Minimum Premiums Charity First evaluates exposures based on operations, attendance, staffing and volunteer structure, background screening practices, and loss history. Typical submission requirements include a current application, loss runs, and a description of programs and safety procedures. Minimum premium: Varies by carrier and state. Provide complete submissions to obtain accurate pricing and to determine admitted vs. non-admitted placement options. Territories and Availability The Community Centers Insurance program is available in most states. Current availability includes: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Placement terms and admitted status vary by state and carrier. Why Work with Charity First on Community Centers Business Nonprofit specialty focus: underwriters and program managers who understand the nuances of volunteer exposure, grant-funded programs, and board governance. Market access: multiple carriers (various) including A.M. Best "A"-rated insurers to improve the chances of placement and competitive terms. Practical support: risk management resources and claim servicing through established carrier networks. Responsive underwriting: ability to consider program specifics and to structure supplemental coverages like D&O, EPLI, and volunteer accident protection. Example Accounts You have a small neighborhood community center that runs after-school tutoring, weekend food distribution, and a volunteer mentoring program. Low property values, clear volunteer screening, and limited third-party activities make this a good candidate. A midsize civic center that rents space to community groups, offers senior day programs, and operates occasional fundraising events. Placement may include property, GL, volunteer accident, and optional D&O coverage. How to Submit Submit completed applications, current loss runs, and program descriptions to Charity First so underwriting can match the account to the appropriate admitted or non-admitted market. For questions about appetite or supplemental coverage options, include a brief narrative of operations and any recent risk-management initiatives. Frequently Asked Questions What types of community centers are a good fit for this program?Small to midsize nonprofit community centers offering educational programs, food distribution, senior or youth activities, and volunteer services are the primary target. Centers with formal safety procedures and volunteer screening tend to get the best terms. Are directors & officers and volunteer accident coverages available?Yes. D&O and volunteer accident (and often EPLI) are available as optional coverages depending on carrier and state. They are commonly bundled with liability and property placements for a comprehensive solution. Which states is the program available in?The program is available in most states. See the program territory list on this page for specific states; admitted vs. non-admitted options depend on carrier appetite by state. Need help placing an account? Connect with a market specialist.

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International Insurance Solutions for Nonprofit Organizations At Charity First Insurance Services Inc, we understand the unique challenges nonprofit organizations face—especially those operating or supporting work internationally. Our Nonprofits - International Insurance program is specifically designed to serve the complex needs of nonprofits with global exposure. Whether your client is running overseas missions, supporting international aid efforts, or sending volunteers abroad, we offer tailored coverage backed by top-rated carriers. Ideal Accounts and Appetite This program is ideal for nonprofit organizations that: Operate internationally or support causes outside the U.S. Send staff or volunteers overseas for missions, relief work, or education programs Provide funding or resources to international partners Have exposure to foreign travel, liability, or property risk Example accounts include faith-based missions, international relief organizations, global health nonprofits, and educational nonprofits with global outreach programs. Coverage Highlights and Advantages We offer flexible, comprehensive insurance policies that evolve with your nonprofit clients. Partnering with A.M. Best "A"-rated carriers, our solutions are built to handle the specialized risks associated with international nonprofit operations. Coverage options may include: General Liability and Abuse & Molestation coverage Foreign General Liability and Foreign Workers Compensation International Auto Liability Travel Accident and Sickness coverage for staff and volunteers abroad Property coverage including international locations and equipment Directors & Officers Liability for global operations We also provide complimentary access to a robust online risk management resource center, offering safety articles and tools to help nonprofits proactively manage their exposure. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size, scope, and international reach of the nonprofit. We focus on understanding the organization’s mission and operations to offer the right level of protection. Our underwriting team is experienced in handling complex nonprofit risks and can help you structure coverage that meets your client’s needs. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, NY, FL, IL, and PA. We write business in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Coverage is written on an admitted basis in most available states. Why Work With Charity First Insurance Services Inc As a national program manager with a dedicated focus on nonprofits, Charity First brings deep industry experience and long-standing carrier relationships. Our team understands the mission-driven nature of your clients’ work and the liability exposures that come with it—especially when operating internationally. We help agents and brokers succeed by offering responsive underwriting, risk management support, and access to some of the nation's most respected insurance markets. Whether your client is a small nonprofit sending volunteers abroad or a larger organization with global operations, we offer scalable, responsive solutions to protect their mission. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit organizations with international exposure, such as mission groups, global aid organizations, and nonprofits supporting work abroad, are ideal candidates. Can this program cover volunteers and staff traveling overseas?Yes. We offer coverage options that include travel accident and sickness insurance, foreign liability, and other protections for staff and volunteers abroad. Are there specific countries where coverage is excluded?Coverage availability may vary based on the destination country. Our underwriting team will review each submission to determine eligibility and any country-specific restrictions. Is the program admitted in most states?Yes, coverage is written on an admitted basis in most available states where the program is offered. What underwriting information is needed to get a quote?We typically need details about the nonprofit’s mission, international activities, number of staff/volunteers, travel plans, and current insurance structure to provide a quote. Need help placing an account? Connect with a market specialist.

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