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...placement specialists who focus on banks, credit unions, mortgage lenders and ...m?Hard-to-place community or regional banks, mortgage lenders, and specialty f...

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.

...nitoring Service providers for banks, financial institutions, vehicles, or...ccounts eligible?Yes, risks involving banks, financial institutions, vehicle, ...

Transportation and Trucking Coverage from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a Transportation and Trucking Coverage program tailored for commercial auto operations that need wholesale, Excess & Surplus (E&S) solutions. Through access to an A.M. Best–rated A+ (Superior) FSC XV E&S carrier and other markets, we place complex or hard-to-place trucking risks that may not fit standard admitted carriers. This program is designed for agents and brokers who need capacity, flexible underwriting, and solutions for unique fleet exposures. Ideal Accounts and Appetite We write a wide range of for-hire and private fleets. Typical classes include: Contractor fleets Cement mixers and sand & gravel haulers Patrol and security companies Parcel and document delivery services Container haulers and building materials dealers Hotel and motel courtesy vans Airport shuttles and taxis Ambulances (emergency and non-emergency) Selective long-haul fleets (40+ units) Local trucking operations (up to a ~500-mile radius) Garbage and recycling haulers Select fuel haulers We also consider many other classes—contact us with specific operations that may appear outside typical appetite. Coverage Highlights and Advantages This program balances capacity with flexible underwriting to serve both standard and specialty exposures: Primary commercial auto liability and physical damage coverage Underwriting flexibility for complex operations and unique exposures Capacity for large fleets and regional trucking programs Options for sizable deductibles and Self-Insured Retentions (SIRs) Non-admitted/E&S market advantages for risks not eligible for admitted markets Underwriting Notes and Minimum Premiums We focus on accounts that may not fit standard carriers due to fleet size, operational complexity, or higher risk profiles. The program’s typical minimum premium begins at $35,000, so it is best suited for mid-size to large fleets or operations with elevated exposures. Underwriting emphasizes vehicle count, radius of operation, cargo type, driver selection and training, loss history, and safety controls. Examples of good fits: An independent contractor fleet of mixed heavy equipment and dump trucks operating regionally with a strong safety program but large aggregate limits needs E&S capacity and SIR options. A municipal solid-waste hauler with multiple routes across state lines requiring primary liability and physical damage limits not available in standard markets. Territories and Availability This program is available in most U.S. 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, DC, WV, WI, and WY. Availability may vary by state and specific risk characteristics—confirm with underwriting for state-specific terms. Why Work with U.S. Risk Insurance Group? As an experienced E&S broker, U.S. Risk combines deep carrier relationships with hands-on underwriting expertise in transportation and trucking. We move quickly on submissions, structure programs with flexible retentions and limits, and help place accounts that require non-standard solutions. If you have a trucking client who can’t get acceptable terms in admitted markets—or who needs larger deductibles, SIRs, or specialty coverage—we can help you find workable options. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mid-size to large transportation fleets, especially those involved in local or selective long-haul trucking, delivery, or specialized hauling (for example, fuel, cement, or garbage haulers). Is this program available nationwide?Yes. The program is available in most U.S. states, including major transportation hubs such as TX, CA, FL, IL, and NY. State availability may vary by risk; confirm with underwriting. What is the minimum premium for this coverage?The typical minimum premium starts at $35,000. Accounts with very large fleets or unique exposures may require higher premiums or additional underwriting information. Can you write accounts with high deductibles or SIRs?Yes. We have appetite for accounts with large deductibles or Self-Insured Retentions, particularly for experienced operators with strong safety programs and loss control measures. Do you offer coverage for emergency service vehicles?Yes. We can provide coverage for ambulances (emergency and non-emergency) and other specialized vehicles such as taxis and courtesy vans, subject to underwriting review. Need help placing an account? Connect with a market specialist.