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Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs ?Complete biometric screening yielding stop-loss discounts ?Health risk assessment ?Health self-management programs ?24/7 physician telephonic office visits with prescription authorizations ?24/7 NurseLine ?Utilization review ?Case management ?Disease/population management ?Maternity program ?Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net.

...os, multi-family housing, hotels, offices, and retail spaces. Weather-Related...

Directors & Officers Insurance Program from J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Directors & Officers (D&O) Insurance program designed to protect the leadership of a wide range of organizations. As a Managing General Agency (MGA) with access to 25 different insurance carriers, we help agents and brokers place competitive D&O solutions nationwide — all 50 states plus Washington, DC. Ideal Accounts and Target Classes This D&O program fits both for-profit and nonprofit entities. Typical classes include: Banking institutions and financial service groups Condominium and homeowners associations Nonprofit organizations across a variety of missions Youth amateur sports leagues and associations (Little League, Pop Warner, soccer clubs, Pony Baseball) Professional service firms that also need Errors & Omissions protection Most professional organizations with board-level exposures Whether the account is a small nonprofit board or a complex professional association, our markets can be matched to the client’s governance exposures. Example placements you might bring to market: A regional nonprofit with a volunteer board seeking coverage for management decisions and employment-related exposures. A youth sports league that needs low-cost D&O for volunteer coaches and directors combined with fidelity coverage to protect against theft or dishonest acts. Coverage Highlights and Program Features Our D&O program is built to address claims arising from management decisions, fiduciary duties, employment practices, and other board-level exposures. We also offer packages tailored to youth amateur sports organizations that pair D&O with fidelity coverage for stronger protection of volunteers and funds. Program highlights: Directors & Officers for Youth Amateur Sports: League Association — No charge for $1 million coverage (example program) Team Coverage — $275 per team for $1 million in protection (example program) Fidelity for Youth Amateur Sports: Example: $125 per team for $10,000 in fidelity coverage Underwriting Insight We maintain a broad underwriting appetite across many classes. Accounts are evaluated on a case-by-case basis with attention to governance, financial stability, and prior loss history. Our underwriting team will guide you to the best-fit carrier among our panel of 25 markets and can place both admitted and non-admitted options depending on state and risk profile. State Availability This program is available in all 50 states and Washington, DC. We can submit placements from California to New York, Texas to Vermont, and everywhere in between. Why Work With J.R. Olsen Bonds & Insurance Brokers, Inc.? As an MGA with long-standing carrier relationships, J.R. Olsen provides agents and brokers with direct access to multiple D&O markets and responsive underwriting. Our experience in niche sectors — especially youth amateur sports and nonprofit governance — helps you secure tailored, cost-effective placements for clients with volunteer leadership or complex board exposures. We streamline submissions and placement, so you can present competitive D&O options to your clients with confidence. If you need help evaluating a file or identifying the right carrier on our panel, our market specialists are available to assist. Frequently Asked Questions What types of accounts are a good fit for this D&O program?Ideal accounts include nonprofit boards, condo associations, youth sports leagues, professional organizations, and financial institutions. Is this program available in all states?Yes. Our Directors & Officers program is available in all 50 states and Washington, DC. Can this program cover youth sports organizations?Yes. We offer specialized D&O and fidelity options for youth amateur sports leagues such as Little League, soccer clubs, Pop Warner, and similar organizations. Which carriers back this program?We work with a panel of 25 different insurance carriers to deliver competitive quotes and coverage solutions tailored to client needs. Do you offer admitted and non-admitted options?Yes. Depending on the state and the specific exposure, we can place coverage through admitted or non-admitted carriers on our panel. Need help placing an account? Connect with a market specialist.

As a Director or Officer of a Non-Profit Organization, you are NOT immune to liability! Immunity does not prevent a lawsuit from being filed, and it generally applies only to volunteers—not to paid employees, directors, officers, or the organization itself. In fact, more than 90% of claims against nonprofit organizations are employment-related. Employment laws apply equally to nonprofits and for-profit entities, making it critical for nonprofits to secure proper protection. Comprehensive D&O and EPLI Coverage for Nonprofits Capitol Special Risks offers a specialized Directors and Officers (D&O) and Employment Practices Liability Insurance (EPLI) program tailored specifically for nonprofit organizations. As a wholesale broker with access to multiple carriers and all available markets, we help agents and brokers place nonprofit accounts that require expert handling and broad protection against leadership and employment-related exposures. Ideal Accounts and Appetite This program is designed for a wide range of nonprofit organizations, including but not limited to: Charitable foundations Educational nonprofits Arts and cultural organizations Religious and faith-based groups Community service organizations You might have a client who runs a regional nonprofit offering after-school education programs. This program can help protect their board members and executive staff from personal liability while also covering employment-related risks such as wrongful termination or discrimination claims by employees or volunteers. Coverage Highlights and Advantages Our nonprofit D&O and EPLI package includes a wide range of valuable features: Separate limits of liability for D&O and EPLI Defense costs paid outside the limit of liability Punitive damages coverage, where permitted by law Third-party harassment and discrimination coverage Coverage for both monetary and non-monetary claims Outside directorship liability coverage Lifetime occurrence reporting provision available for former directors and officers (with some carriers) Fair Labor Standards Act (FLSA) sublimit available Wage and hour sublimit may be available Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the nonprofit, as well as underwriting considerations such as loss history, number of employees, and type of services provided. Capitol Special Risks offers fast turnaround times and never charges broker fees, making it easier for you to quote and bind coverage efficiently. Territories and Availability This program is available in all 50 states, including DC. Whether your client is based in California, New York, Texas, or anywhere in between, Capitol Special Risks can help you find the right market and carrier for their needs. Why Work With Capitol Special Risks? As a wholesale broker specializing in complex liability exposures, Capitol Special Risks brings decades of experience and strong carrier relationships to help you place difficult or specialty nonprofit accounts. Our team understands the unique challenges nonprofit leaders face, and we provide tailored D&O and EPLI solutions that give both brokers and their insureds peace of mind. Call today for information on Directors and Officers and Employment Practices Liability for Non-Profit Organizations! 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 nonprofit organizations are eligible for this program?This program is suitable for a wide range of nonprofits, including charitable foundations, educational and religious groups, arts organizations, and community service nonprofits. Does this program provide separate limits for D&O and EPLI?Yes, the program offers separate limits of liability for Directors and Officers coverage and Employment Practices Liability, allowing broader protection for your insureds. Are defense costs included within the policy limits?No, defense costs are paid outside the limit of liability, helping preserve the insured’s limits for indemnity payments. Is this program available nationwide?Yes, the program is available in all 50 states through Capitol Special Risks’ access to multiple carriers and markets. How quickly can I get a quote for my client?Capitol Special Risks offers fast turnaround times and does not charge broker fees, making it easy to quote and bind coverage efficiently. Need help placing an account? Connect with a market specialist.

...h and Counseling Facilities • Food Banks and Soup Kitchens • Halfway Houses • ...are agencies, homeless shelters, food banks, and mental health centers. Can vo...