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...re are essential when underwriting Boys and Girls Clubs Insurance. At NIF Grou...his program?This program is ideal for Boys and Girls Clubs, youth mentoring organizations, af...

...thers Big Sisters, community-based Boys & Girls Clubs, or residential faci...Risk Youth Residential Facilities Boys & Girls Clubs of America CASAs (Court Appoin...

With K&K’s camp, conference and retreat center insurance program, you can spend your time on important hings like keeping your campers happy. We’ll take care of the rest of your worries with an insurance program specifically tailored to the individual needs of your camp. Eligible Operations for Camp, Conference and Retreat Center Insurance: - Activity camp insurance - Leadership camp insurance - Boy and Girl Scout councils insurance - Learning camp insurance - Religious retreat insurance - Conference center insurance - Resident camp insurance - Day camp insurance - Summer camp insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Non-audited Policy - No Deductible - Sexual Abuse & Molestation Endorsement - per perp form (subject to qualification based on minimum underwriting guidelines) - Fireworks Liability - Expanded Bodily Injury Definition - Medical Professional Employee/Volunteer Liability - Nonowned Watercraft up to 51’ - Personal and Advertising Injury Definition Expanded - Camp Director Liability - Crisis Response Coverage Property - More Than 25 Coverage Expansions - Equipment Breakdown Included - Vacancy Clause Redefined to Address Seasonal Operations - Building Definition Redefined to Include: tent platforms, pavilions and shelters, signs, boat and canoe racks, athletic backstops, permanently installed playground equipment, adventure course structures and climbing walls and above ground tanks - Outdoor property (trees, shrubs, or plants) - Business Interruption (Civil Authority Expansion Available in certain states) - Emergency Vacating Expenses Covered, Full Building Ordinance "A" Coverage Crime Commercial Auto Excess Liability Inland Marine Workers’ Compensation Common Associated Exposures: - Hiking trails - Ropes courses/ - Horseback riding climbing walls/ziplines - On-site physician/nurse - Recreational - Paintball courses boating/canoeing - Swimming Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

... Center-based child care programs, Boys & Girls Clubs Recreational Programs – YMCAs, YW...

Public Auto Specialty Insurance Program Amwins National Transportation Underwriters, part of the Amwins Underwriting division, offers a specialized Public Auto program designed for agents placing passenger transportation risks. Our underwriting team has more than 100 years of combined experience in public auto exposures and works with a variety of admitted and non-admitted markets to provide flexible solutions for operators such as shuttles, limousines, charter buses, and social service carriers. Overview of the Program from Amwins Underwriting This program is delivered through Amwins as a Managing General Underwriter with access to multiple carriers. It provides targeted coverages and underwriting expertise for businesses that transport passengers for hire or on behalf of organizations. Policies can be tailored by account and typically include primary auto liability, physical damage, and excess limits when appropriate. Ideal Accounts and Appetite Typical accounts that fit this program include: Airport shuttles, airport limousines and courtesy buses Limousine and chauffeured luxury sedan services Charter and party buses (sightseeing, seasonal recreation, amateur sports) Employee transportation and daycare transport services Social service transportation providers Amwins has appetite for single-state and multi-state operations across a broad range of vehicle fleets and seating capacities. We generally consider accounts with organized driver screening and safety programs. Accounts with frequent charter work, special event service, or mixed-use operations may also be eligible. Coverage Highlights and Advantages Auto Liability limits tailored to the account with available excess layers Physical damage options for comprehensive and collision on scheduled vehicles Flexible underwriting for seasonal operations and mixed fleets Access to multiple carriers through Amwins’ underwriting relationships Underwriting expertise focused exclusively on public auto exposures Underwriting Notes When submitting a request, underwriters typically ask for: Completed public auto application and vehicle schedule Current loss runs (usually 3–5 years) Driver lists and MVRs for principals and drivers Details on safety programs, maintenance, driver hiring, and training procedures While this program handles many public auto classes, it is not intended for high-hazard freight or specialized hazmat transport. Accounts with a history of frequent or severe losses, or with inadequate driver controls, may not be eligible. Territories and Regulatory Positioning The program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage availability and filing requirements vary by state; Amwins can advise on admitted vs. non-admitted placement options as appropriate for the risk. Why Work with Amwins on Public Auto Deep, focused expertise in public auto—underwriters who understand passenger transportation exposures Managing General Underwriter access to multiple carrier capacities and flexible policy forms Responsive underwriting and tailored solutions for single-vehicle owners up to larger fleet operators Ability to consider specialized or niche operations that require a nuanced approach Example submissions you may have: a regional airport shuttle operator with a mixed fleet of 8–12 vehicles and a documented driver training program; or a luxury limousine service seeking liability and physical damage coverage for chauffeurs and high-value sedans. Both are the kinds of risks our team regularly evaluates. To learn more about our Public Auto insurance program, please visit our website. Frequently Asked Questions What types of public auto accounts are a good fit for this program?We typically write airport shuttles, limousines, charter and party buses, daycare and social service transport, employee shuttles, and seasonal recreation transport. Accounts with documented safety programs and acceptable loss histories are preferred. Which lines of coverage are available through Amwins’ Public Auto program?The program commonly includes Auto Liability, Auto Physical Damage, and Excess coverage. Coverages and limits are tailored to the vehicle mix and exposures of each account. What information should I include with a submission?Provide a completed application, vehicle schedule, current loss runs, driver roster with MVRs for key drivers, and a summary of safety and maintenance programs. The more complete the submission, the faster underwriting can evaluate the risk. In which states can I place business through this program?Amwins offers this program in multiple states (see storefront for the full list). Availability and the admitted/non-admitted option can vary by jurisdiction—your Amwins underwriter can advise on placement options for the client’s state. Need help placing an account? Connect with a market specialist.

...• Dance Schools • Human Services • Boys & Girls Clubs • Equine Risks • Food Banks • Sports ...s • Counseling Services • Show Animal Clubs • Retail • Carpet Cleaning • Fence...

Significant expertise and underwriting infrastructure are essential when it comes to insuring crisis centers and similar social service organizations. NIF Group Inc. offers a tailored Crisis Centers Insurance program designed specifically for nonprofits, mental health facilities, and social service providers that deliver critical services to vulnerable populations. Agents working with these accounts need insurance solutions that go beyond basic coverage—and NIF Group delivers that with comprehensive protection and program flexibility. This program provides vital liability protection for the organization, its employees, and volunteers. Policies can be structured to extend coverage to independent contractors, healthcare professionals, and others involved in delivering services. Whether your client operates a small local crisis hotline or a multi-location behavioral health facility, NIF Group can help protect their mission and operations. Ideal Accounts and Program Appetite The Crisis Centers Insurance program is built for a wide range of nonprofit and social service providers, including: Community crisis hotlines Suicide prevention centers Domestic violence shelters and support centers Mental health counseling facilities Behavioral health and addiction recovery programs Accounts with volunteer staff, onsite counseling, outreach programs, and mobile services are all eligible considerations. Organizations with healthcare providers on staff or contractual medical professionals can also be accommodated under the professional liability options. Coverage Highlights and Advantages NIF Group’s package policies offer broad, customizable coverage to meet the unique risks associated with crisis and social services operations. Standard coverages include: General liability insurance Professional liability, including healthcare liability Property insurance Auto liability and physical damage Boiler and machinery Crime insurance Umbrella/excess liability Optional enhancements are available to address more specialized exposures: Employee benefits liability Equipment breakdown Sexual/physical misconduct coverage Directors & Officers (D&O) for nonprofits, with EPLI Coverage can be tailored to match the operational structure—whether your client relies heavily on volunteers, contracts with outside counselors, or employs medical personnel directly. Underwriting Notes and Minimum Premiums Minimum premiums vary based on account size, services provided, and coverage selections. NIF Group’s underwriters are experienced in evaluating nonprofit and healthcare-related risks and can work with agents to structure appropriate and competitive terms. Loss control support and claims expertise are also key parts of the offering, helping your clients manage risk and respond effectively when incidents occur. Territories and Availability This program is available in nearly all U.S. states, with the exception of Hawaii and Louisiana. Coverage can be written on an admitted basis where available. States include CA, TX, FL, NY, IL, PA, and most others—see the full list for specific state availability. Why Work With NIF Group Inc.? NIF Group Inc. is a trusted program administrator with deep experience in the nonprofit and human services space. Their specialized underwriting knowledge, broad market access, and responsive service make them a valuable partner for agents placing crisis center and social services accounts. You can rely on NIF Group to help you navigate complex exposures and deliver tailored coverage solutions that protect your clients and support their mission-driven work. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit crisis centers, counseling facilities, suicide prevention hotlines, domestic violence shelters, and behavioral health organizations. Can this program cover medical professionals working with the organization?Yes, the program can be structured to include professional liability for employed or contracted medical personnel, including counselors and healthcare providers. Is volunteer staff covered under this policy?Yes, volunteers are commonly included in the policy, and coverage can be customized to account for their roles and responsibilities. What is the minimum premium for this program?Minimum premiums vary depending on the size and scope of the organization, as well as selected coverages. Contact NIF Group for underwriting details. In which states is this program available?The program is available in most U.S. states, except Hawaii and Louisiana. It is offered on an admitted basis where applicable. Need help placing an account? Connect with a market specialist.

NIF Group Inc. offers a focused insurance program for drug and alcohol rehabilitation facilities that combines deep underwriting expertise with carrier capacity from Liberty Mutual Insurance. Designed for agents and brokers, this program provides flexible package solutions for inpatient detox centers, outpatient treatment clinics, sober living homes, residential detox facilities, and nonprofit or faith-based recovery programs. Policies can be tailored to the client’s operations and to include medical staff, volunteers, and independent contractors. As a program administrator, NIF Group Inc. provides agents direct access to broad coverages and responsive underwriting. The platform supports simple single-site placements as well as multi-location outpatient networks, and it is built to address the mix of general liability, professional liability, property, and specialty exposures that are common in behavioral health and substance-use treatment settings. Ideal Accounts and Appetite This program is designed for a wide range of drug and alcohol rehabilitation operations, including: Inpatient and outpatient treatment centers Residential detox facilities Sober living homes Nonprofit and faith-based recovery programs Typical fits include single-site nonprofit detox programs, multi-location outpatient counseling networks, and licensed sober living operations. Accounts with licensed clinicians, documented policies and procedures, and basic risk management practices are preferred. High-severity claims histories, unmanaged medication programs, or facilities operating outside state licensing norms may require additional review. Coverage Highlights and Advantages Package policies are available to combine core and specialty coverages for a coordinated solution. Core options include: General Liability Insurance Professional Liability (including healthcare liability) Property Insurance Auto Insurance Boiler and Machinery Insurance Crime Insurance Umbrella Coverage Enhancements and optional modules can be added to reflect the account’s exposures, such as: Employee Benefits Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Directors & Officers Liability for nonprofits, including EPLI Policies can be structured to explicitly include volunteers, contractors, and licensed medical professionals so that individuals involved in patient care are covered under the program’s terms. Underwriting Notes and Minimum Premiums NIF Group’s underwriting team evaluates each submission to match coverages to the facility’s operations, staff mix, and risk controls. There is no minimum premium requirement, which allows placement of both small and larger accounts. Be prepared to provide client details such as licensing, staffing credentials, patient intake procedures, medication management protocols, and any prior claims history to accelerate review. Territories and Availability The program is available in most U.S. states (the company markets through admitted and non-admitted platforms depending on the state and risk characteristics). Coverage is not offered in Hawaii and Louisiana. NIF has placement experience in major markets including CA, TX, NY, and FL, and across many other states. Why Work With NIF Group Inc. NIF Group Inc. combines behavioral-health specialty underwriting with strong carrier relationships to simplify placement for agents and brokers. As a program administrator, NIF delivers focused intake, flexible policy design, and access to Liberty Mutual Insurance capacity—helping agents place complex rehab and recovery risks with clarity and speed. The underwriting team’s familiarity with nonprofit operations, volunteer programs, and licensed clinical services is a practical advantage when structuring coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited for inpatient and outpatient rehab centers, residential detox facilities, sober living homes, and nonprofit recovery organizations with documented policies and standard clinical controls. Can this program cover medical professionals and volunteers?Yes. Policies can be structured to include coverage for licensed medical staff, volunteers, and independent contractors who participate in the facility’s operations. Is there a minimum premium requirement?No. There is no minimum premium, making the program suitable for both small single-site operations and larger multi-location networks. What states is this program available in?The program is available in most U.S. states (admitted or non-admitted as appropriate) with the exception of Hawaii and Louisiana. What carrier backs this program?NIF Group places this program with Liberty Mutual Insurance, providing established carrier capacity and underwriting support. Need help placing an account? Connect with a market specialist.

Significant expertise and infrastructure are required to effectively underwrite ARC (Association for Retarded Citizens) chapters and similar organizations serving individuals with intellectual and developmental disabilities. At NIF Group Inc., we understand that these nonprofit and social service risks often involve more complexity than initially meets the eye. That’s why we offer a comprehensive insurance program specifically designed for ARCs and related organizations—giving agents the tools to protect their clients and support long-term service relationships. Program Overview Our ARC Insurance Program provides robust liability protection tailored to the unique needs of organizations that serve people with intellectual and developmental disabilities. Coverage can extend to employees, volunteers, independent contractors, and even medical professionals working with the organization. Our package policies are flexible and can be customized to address a wide range of operational exposures. Ideal Accounts and Appetite This program is a strong fit for nonprofit organizations, residential and day programs, and social service agencies affiliated with ARC chapters or serving similar populations. Target accounts include: Community-based residential facilities Day habilitation and vocational training centers Transportation services for individuals with disabilities Supportive housing and group homes You might have a client operating several group homes staffed by case workers and volunteers, or one offering vocational programs for adults with disabilities—these are great candidates for this program. Coverage Highlights and Advantages Our package policies are built to protect every aspect of your client's operations—from property and fleet to liability exposures involving employees and volunteers. Key coverages include: General liability insurance Professional liability, including healthcare-related exposures Auto insurance (including owned and non-owned vehicles) Property insurance for offices and facilities Boiler and machinery coverage Crime coverage Umbrella/excess liability Optional coverages available to further strengthen protection: Employee benefits liability Equipment breakdown Sexual and physical misconduct liability Nonprofit Directors & Officers (D&O) with EPLI Underwriting Notes and Minimum Premiums Minimum premium varies based on account size, services offered, and selected coverages. NIF Group Inc. brings deep underwriting knowledge to this niche sector, helping agents navigate complex risk profiles and find the right coverage fit. Submissions involving residential care, transportation, or professional medical services are welcome for review. Territories and Availability This program is available in most states across the U.S., excluding Hawaii and Louisiana. We currently offer coverage in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, 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, and DC. Why Work With NIF Group Inc. NIF Group Inc. is a trusted program administrator specializing in niche markets. Our team has the underwriting depth and market access to support agents placing nonprofit and social service risks. We work closely with retail brokers to understand their clients' operations and provide tailored coverage solutions that address real-world exposures. Whether you’re placing a single ARC chapter or a multi-location nonprofit, our team is ready to help you secure the right coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for ARC chapters and similar nonprofits serving individuals with intellectual and developmental disabilities. Ideal accounts include group homes, vocational programs, and transport services. Is this program available nationwide?It is available in most U.S. states, except for Hawaii and Louisiana. Can volunteers and independent contractors be covered?Yes, the policy can be structured to include coverage for volunteers, independent contractors, and medical professionals working with the organization. What optional coverages are available?Optional enhancements include D&O with EPLI, sexual/physical misconduct liability, and equipment breakdown coverage. Is there a minimum premium requirement?Minimum premiums vary depending on the size and nature of the operation and coverages selected. Contact NIF Group Inc. for underwriting guidance. Need help placing an account? Connect with a market specialist.

Program Overview The Bowling Centers Insurance Program from NIF Group Inc. is built for the specific exposures bowling centers face. As a program administrator with niche-market expertise, NIF Group offers an admitted program that combines broad package options, experienced underwriting, and straightforward placement for both independent alleys and facilities that are part of larger entertainment venues. This program is available to licensed agents and brokers seeking a reliable admitted market for bowling center risks. NIF Group accepts submissions from appointed producers and provides competitive commissions, underwriting guidance, and capacity suited to a range of operations. Ideal Accounts and Appetite The program is designed for a variety of bowling-related operations, including: Standalone bowling centers Bowling centers with restaurants, bars, or concession service Family entertainment centers that include bowling lanes alongside other attractions Preferred accounts are well-maintained facilities with documented risk-management practices and manageable loss histories. NIF Group can underwrite both monoline and package placements and is comfortable with single-location alleys up to multi-location regional operations. Example fits: a 12-lane community bowling alley with a snack bar and arcade, or a family entertainment venue offering bowling plus casual dining and attractions such as laser tag. Risks with significant, repeated liability or property losses, or those lacking basic safety controls, are less likely to fit the appetite. Coverage Highlights and Advantages Program Highlights Admitted coverage through an “A, XV” rated carrier for stability and market confidence Available in 48 states plus the District of Columbia (not available in Alaska or Hawaii) Comprehensive package options that can include: General Liability Property Crime Inland Marine Equipment Breakdown Liquor Liability Commercial Auto Umbrella limits available up to $5,000,000 Appointed producers receive a competitive commission structure Coverage Limits General Liability: up to $2,000,000 each occurrence / $2,000,000 aggregate / $4,000,000 products-completed operations aggregate Commercial Auto (including Hired & Non-Owned): up to $1,000,000 Umbrella: up to $5,000,000 Property Broadening Form included to enhance standard property coverage Underwriting Notes There are no published minimum premiums, but underwriters favor clean, well-run operations with complete submission packages. When you submit, include a full application, current loss runs, and details on any food or alcohol service and controls in place. Liquor liability can be offered for qualifying risks that hold proper licensing and demonstrate responsible procedures. Territories and Availability This admitted program is available in 48 states and the District of Columbia; Alaska and Hawaii are excluded. Producers in the Midwest, East Coast, South, and West can place eligible bowling center business with NIF Group through the appointed distribution channels. Why Work With NIF Group? NIF Group combines focused underwriting for niche hospitality and entertainment segments with the stability of an admitted “A, XV” carrier. Working with NIF Group gives you access to an experienced team that understands bowling center operations and the exposures that matter most—slip-and-fall, liquor liability, property damage to lanes and equipment, and exposures from ancillary food and arcade operations. Their underwriting approach is pragmatic: they look for documented controls and reasonable loss histories, and they move quickly on well-prepared submissions. Explore the full Bowling Centers Insurance Program to see detailed program information and submission instructions. Frequently Asked Questions What types of accounts are a good fit for this program? Standalone bowling centers, operations with food and beverage service, and family entertainment centers that include bowling are all good fits. Underwriters prefer operations with documented risk management and reasonable loss histories. Is the program admitted? Yes. The program is admitted and written through an “A, XV” rated carrier. Which states is this program available in? The program is available in all U.S. states except Alaska and Hawaii; it is also available in the District of Columbia. What coverages are included in the package? The package can include general liability, property, crime, inland marine, equipment breakdown, liquor liability, commercial auto, and umbrella coverage depending on the account. Can I submit a risk with a liquor license? Yes. Liquor liability coverage is available for qualifying risks that maintain proper licensing and controls; include details on alcohol service in your submission. Need help placing an account? Connect with a market specialist.