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Affinity Nonprofits Directors' & Officers' (D&O...lable nationwide?Yes, the Affinity Nonprofits D&O Liability Insurance Prog...

...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...

...d Advantages We understand that nonprofits have limited budgets but significan...s program works well for 501(c)(3) nonprofits such as charities, animal rescue...

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.

Insential, Inc., through its Sports Division—MIC Insurance Group—offers a focused Sports Insurance program that helps agents and brokers place coverage for a wide range of athletic organizations, facilities, and events. As an experienced Excess & Surplus Lines Broker, Insential provides access to multiple markets and strong underwriting relationships so you can deliver tailored solutions for sports and recreation clients with unique or hard-to-place exposures. Ideal Accounts and Appetite This program is well-suited for a broad set of sports-related risks, including: Sports and fitness facilities — gymnastics centers, martial arts studios, fitness centers Youth-focused organizations — youth sports leagues, sports camps, day camps with athletic programming Entertainment and activity venues — paintball centers, family entertainment centers, social clubs Individual professionals — instructors, coaches, referees Insential also writes both amateur and professional teams across common disciplines such as: Baseball, softball, soccer Football, basketball, volleyball Hockey, lacrosse, swimming Cheerleading and other performance-based sports The program can be used to place event-focused coverage for professional and amateur sporting events and special events with athletic components. Coverage Highlights and Advantages Insential’s Sports Insurance program offers a broad package designed to address operational and participant risks. Available lines include: General Liability Property Umbrella / Excess Participant Accident Crime Directors & Officers (D&O) Employment Practices Liability Insurance (EPLI) Key advantages agents can communicate to clients include flexible E&S placement, multi-line solutions to consolidate coverage, and the benefit that defense costs are paid outside the policy limits, which helps preserve limits when litigation arises. Underwriting Notes and Minimum Premiums Insential evaluates accounts individually with emphasis on the class of business, loss history, and risk management practices. Minimum premiums vary by class and exposure — contact Insential for program-specific underwriting guidelines and target premiums. The program is structured to accommodate both standard risks and unique or higher-hazard accounts that may not fit admitted markets. Example fits: A regional cheerleading camp seeking participant accident and liability coverage for multi-day camps. A growing martial arts studio that needs general liability plus EPLI and D&O as it adds instructors and administrative staff. Territories and Availability The Sports Insurance program is available in most U.S. states, including major states such as CA, FL, TX, NY, IL, and GA. In many jurisdictions coverage is offered on a non-admitted (E&S) basis, giving you flexibility to craft non-standard solutions where admitted markets are limited. Why Work With Insential? Insential combines niche sports expertise with deep carrier relationships to help brokers place accounts that require specialized underwriting. As an Excess & Surplus Lines Broker, Insential offers market access, flexible program structures, and underwriting support to help place hard-to-place or high-exposure athletic risks. Reach out to Insential’s Sports Division when you need a partner that understands sports operations and participant exposures. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Sports Insurance program?Ideal accounts include youth and adult sports leagues, fitness and martial arts centers, sports camps, instructors, and special sporting events. Is this program available nationwide?The program is available in most U.S. states, including CA, TX, FL, NY, and IL. Availability may vary by state and by coverage line. What key coverages are included?Core lines include General Liability, Property, Umbrella/Excess, Participant Accident, Crime, D&O, and EPLI. Defense costs are typically paid outside the limits. Can Insential handle both amateur and professional teams?Yes — the program accommodates both amateur and professional teams across a wide range of sports disciplines. How are minimum premiums determined?Minimum premiums vary by class of business and individual risk characteristics. Contact Insential for specific underwriting guidelines and minimums. 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.

Capitol Special Risks offers Public Officials Liability Insurance designed specifically for public entities and their leadership. This program provides essential protection for municipalities, counties, cities, and other governmental bodies facing exposures related to the actions of elected or appointed officials, employees, and volunteers. Whether your clients are dealing with employment practices allegations or claims tied to regulatory decisions, this program offers comprehensive and flexible coverage options. Ideal Accounts and Target Classes This program is tailored for a wide range of public entities, including: Municipalities Counties and cities Boroughs and townships Transit and housing authorities Sewer and water utilities Special districts and other single-purpose entities If you have a client who is a small township or a regional transit authority, this program offers the flexibility and depth of coverage to protect against the unique risks of public service operations. Coverage Highlights The Public Officials Liability Insurance program includes broad protections for acts committed in the course of public duties, such as: Wrongful acts by officials, employees, and volunteers Employment practices liability (EPLI), including discrimination, wrongful termination, and harassment Coverage for back wages and defense for non-monetary claims Claims arising from permitting or licensing decisions EPLI coverage extended to law enforcement and firefighting personnel Defense available outside the limit of liability in some cases Underwriting and Minimum Premiums Minimum premiums vary depending on the size and type of public entity. Capitol Special Risks works with multiple carriers and can access both admitted and non-admitted markets to find the best fit for your clients. Submissions are reviewed promptly, and the company offers fast turnaround times with no broker fees. Territories and Availability This program is available in all 50 states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WV, WI, and WY. Why Work With Capitol Special Risks? Capitol Special Risks is a wholesale broker with deep expertise in management and professional liability coverages. Their team understands the nuanced risks faced by public officials and governmental bodies and provides solutions that are tailored, responsive, and competitively priced. With access to a broad range of carriers and a commitment to service excellence, Capitol Special Risks is a trusted partner for agents placing complex public sector accounts. Call today for information on Public Officials Liability Insurance! Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for municipalities, counties, cities, boroughs, townships, and special districts, as well as transit, housing, sewer, and water authorities. Does the coverage include employment practices liability?Yes, the policy includes EPLI coverage, including wrongful termination, discrimination, and coverage for law enforcement and fire personnel. Can you place this coverage nationwide?Yes, Capitol Special Risks offers this program in all 50 states. Are defense costs covered outside the limits of liability?In some cases, defense costs may be provided outside the policy limits. Availability depends on the carrier and specific terms. Is there a broker fee for placing business through Capitol Special Risks?No, Capitol Special Risks does not charge a broker fee for this program. Need help placing an account? Connect with a market specialist.