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...program targets a wide range of nonprofits, including social services, daycare...up. We can help place coverage for nonprofits with operations across several s...

...ommon coverages performing arts nonprofits need, with flexibility to tailor li...

Non-Profit Directors & Officers Insurance (D&O) Tennant Risk Services offers a robust Non-Profit Directors & Officers (D&O) Insurance program tailored for private and non-profit organizations. As a specialized Managing General Agency and Excess & Surplus Lines Broker, we understand the unique liabilities faced by board members, officers, and decision-makers within these entities. We provide expert guidance, fast turnaround times, and access to multiple carriers nationwide to help you find the right solution for your clients. Our D&O insurance solutions are structured to respond to a wide range of exposures for both traditional and more complex operations. Whether your insured is a small nonprofit or a financially distressed private company, we work to secure broad coverage at competitive rates. Target Classes Include: Non-Profit Entities Private Companies Public Companies Associations & Unions Limited & Other Partnerships Trusts & Trustees Special Coverage Options: Side A Excess Coverage Individual Directorship Coverage Custom Group Programs Challenging Risks? We Can Help. We routinely handle difficult-to-place accounts with: Trustee and Partnership Exposures Adverse Loss History Complex or Unique Financial Structures Financially Distressed Entities Public Officials Quasi-Governmental Organizations Program Highlights: Minimum premiums starting at $750 Optional coverages: EPL, Cyber, Fiduciary, Crime, E&O Risk management services included Flexible deductibles and limits Separate limits available for key coverages Sample Placed Accounts: Non-Profit Recreational Association – $1M Limit at $1,000 Premium Private Company, Specialty Equipment Rental – $1M Limit at $8,000 Premium Public Company, Biopharmaceutical Research – $5M Limit at $83,000 Premium Private Equipment Distributor – $5M Limit at $12,000 Premium Our D&O insurance program is available in all states, including DC. Coverage may be admitted or non-admitted depending on the risk, territory, and size of the account. We work with a broad range of carriers to provide the best fit for each client’s needs. Tennant Risk Services supports retail agents and brokers with unmatched service, expert underwriting, and access to top-tier markets. Whether you're working on a standard placement or a tough D&O risk, let our experienced team help you deliver value to your clients. For more information or to submit an account, please call or email us. We look forward to working with you! Put our Directors & Officers Insurance (D&O) Expertise to Work for You! Frequently Asked Questions What types of accounts are a good fit for this program?We target non-profits, private companies, associations, unions, partnerships, and trusts. We also handle challenging accounts with complex financials or prior losses. Can this program address hard-to-place risks?Yes. We specialize in tough D&O placements, including financially distressed entities, unique financial structures, and trustee exposures. Is coverage available in all states?Yes, our D&O program is available in all 50 states and DC. Coverage may be admitted or non-admitted depending on the specific risk. Are additional coverages like EPL or Cyber available?Yes. We can include Employment Practices Liability, Cyber Liability, Fiduciary, Crime, and E&O as part of the D&O package. What is the minimum premium for this program?Minimum premiums start as low as $750, depending on the account size, risk profile, and coverage selected. Need help placing an account? Connect with a market specialist.

Overview — AFC Insurance Inc. Not-For-Profit Housing Facilities Insurance AFC Insurance Inc. offers a targeted Health & Human Services program for not-for-profit housing facilities. This program is designed for transitional and low-income housing providers that combine affordable housing with an active social service component — for example, counseling, case management, job-readiness or other programs that help residents move from temporary to permanent housing. Ideal Accounts and Appetite You can use this program to place not-for-profit providers focused on temporary-to-affordable housing and low-income housing programs. Typical fits include: Transitional housing programs with documented social services (case management, counseling, re-entry support) Small to medium low-income housing projects operated by 501(c)(3) organizations Programs that operate residential units plus program vans or staff vehicles used in support services Accounts that lack a social service component, operate as licensed medical or skilled nursing facilities, or present unusually high liability exposures may not fit. Submit unusual or complex risks for review — appetite and terms vary by carrier. Coverage Highlights Property coverage for buildings, contents and tenant improvements (limits and forms vary by carrier) Auto coverage for owned or program vehicles used to transport residents or staff (symbol and usage restrictions apply) Program Administrator placement through a variety of carrier partners — admitted or non-admitted availability depends on state and carrier Underwriting Notes and Documentation Underwriters will want to see evidence of the social service component and operational controls. Typical submission requirements include: Statement of operations describing resident eligibility, length of stay and program services Loss runs for current carrier (if any) Copies of lease or occupancy agreements and residential rules Driver lists and vehicle use policies for auto exposures Safety, screening and eviction procedures Minimum premiums and specific terms vary by carrier and state; AFC Insurance Inc. will confirm minimum premium requirements on submission. Territories and Availability Coverage is available in most states; capacity and admitted status vary by carrier. This program is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, 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, WV, WI, WY Why Place This Business With AFC Insurance Inc.? As a program administrator focused on Health & Human Services risks, AFC Insurance Inc. provides access to multiple carrier markets and underwriting expertise for not-for-profit housing operators. You’ll benefit from a tailored appetite for transitional and supportive housing, flexible placement options (property and auto), and underwriting that understands the operational nuances of social service programs. Example Accounts Small nonprofit with a 20-unit transitional housing program offering counseling and job support — needs property coverage and a program van on a single policy. Community housing agency operating multiple low-income buildings with on-site case management — needs building and contents protection, plus limited auto coverage for staff transport. If you have a potential submission that fits the classes above, prepare the program description and basic loss information and submit for quotation — carrier availability and terms will be confirmed on review. Frequently Asked Questions What types of accounts are a good fit for this program?Not-for-profit organizations that operate transitional or low-income housing with an active social service component (counseling, case management, job readiness, re-entry programs). The program focuses on housing providers rather than licensed medical or skilled nursing facilities. What coverages are available through AFC Insurance Inc.?Property and auto coverage are the primary offerings for this program. Limits, forms and endorsements depend on the carrier selected and the state of placement. Are there specific underwriting requirements I should include with submissions?Yes. Provide a description of program operations, resident screening and stay limits, loss runs, lease or occupancy agreements, and vehicle use policies if auto is requested. These items speed underwriting and improve placement prospects. How does admitted vs. non-admitted placement work for this program?Admitted status varies by carrier and state. AFC Insurance Inc. works with multiple markets, so placement as admitted or non-admitted depends on the risk profile and state regulations. The program is available in most states listed above. Need help placing an account? Connect with a market specialist.

BSR is pleased to offer Public Officials liability coverage through an A.M. Best A++ rated carrier. This product targets For-Profit and Not-For-Profit Special Service Districts with up to $25,000,000 in revenue. Would you like to receive a quote on every piece of business Check out our eligibility guidelines. If the risk fits the HIT ZONE, you will get a quote every time. Overview of the Program From Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) places Public Officials Liability for Special Service Districts through a top-tier market (A.M. Best A++, United States Liability Insurance Company). This wholesale broker program is built for independent agents who need a reliable market for quasi-governmental and district entities—both for-profit and not-for-profit—whose annual revenue does not exceed $25 million. Ideal Accounts and Appetite Special Service Districts and similar quasi-governmental entities (examples: water, sewer, sanitation, lighting, parking, parks & recreation, business improvement districts, transit or improvement districts). Both for-profit and not-for-profit districts with clear governance structures and formal boards of directors or commissioners. Revenue up to $25,000,000. Smaller and mid-sized districts are preferred. Accounts with standard exposures to official duty, board decisions, procurement, contracting and employment-related allegations—where historical loss activity is reasonable and well-documented. Coverage Highlights and Advantages Public Officials Liability tailored for directors, officers, appointed and elected officials, and management-level employees. Defense costs, wrongful acts and related liabilities that arise from official actions, decisions or omissions (coverage specifics vary by policy—see underwriting). Access to an A.M. Best A++ carrier through BSR’s wholesale distribution, improving placement chances for eligible risks. Streamlined quoting when an account fits the program’s “HIT ZONE” — you’ll receive a quote every time the risk meets eligibility guidelines. Underwriting Notes and Minimum Premiums Underwriting focuses on financial stability, governance practices, documented policies and controls, and the district’s claims history. Typical submission requirements include an application, current financials or revenue statements, and loss runs (if applicable). Please consult the eligibility guidelines before submitting; risks that fall outside the stated revenue threshold, have significant multi-jurisdictional exposure, or have a history of frequent or severe claims may be declined or referred. Territories and Availability This program is available in: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY. Availability may vary by state; confirm with BSR during submission. Why Work With Bailey Special Risks, Inc. on This Business Wholesale broker access to a financially strong carrier (United States Liability Insurance Company) that underwrites public officials exposures. Program tailored for the nuances of special service districts—both for-profit and not-for-profit—so you can present accounts with confidence. Efficient quoting for risks within the HIT ZONE and experienced underwriting guidance for borderline or complex accounts. Example Account Scenarios You have a water improvement district with $3.5M revenue, a five-member board, documented procurement policies and no prior public officials claims—this program is a good fit for a straightforward quote. An urban business improvement district that runs events and parking operations with $12M revenue and standard governance procedures—fits the program appetite if loss history is manageable. Frequently Asked Questions What types of accounts are a good fit for BSR’s Public Officials Liability program?Special Service Districts and similar quasi-government entities, both for-profit and not-for-profit, with annual revenue up to $25M and stable governance and financials. Examples include water, sanitation, lighting, parking and business improvement districts. Which carrier provides the coverage?The program is placed through an A.M. Best A++ carrier, United States Liability Insurance Company, via Bailey Special Risks, Inc. as the wholesale broker. What do you need to submit for a quote?Typical submissions include a completed application, current revenue/financial summary, and loss runs if there are prior claims. Use the program eligibility guidelines to confirm the account fits the HIT ZONE for faster quoting. Are accounts outside the listed states eligible?Coverage is limited to the states listed in the program. If you have a client outside those states, contact BSR to discuss alternative options or referrals. Need help placing an account? Connect with a market specialist.