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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...

...enter insurance program, including Boys and Girls Clubs, YMCAs, YWCAs, Jewish ...ns for Community Center Insurance: - Boys and Girls club insurance - Community center insur...

...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

...ilities • Youth and Teen Centers • Boys & Girls Clubs • Head Start and School Readiness Pro...

...rograms Mentoring Services Boys and Girls Clubs (excluding overnight s...nal programs, mentoring services, and Boys and Girls Clubs that do not offer overnight stays....

...• 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.

Specialty Human Services Insurance Program by Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a specialized insurance program designed for organizations that deliver human services and improve the well-being of communities. From nonprofit agencies to social service providers, our Specialty Human Services program offers tailored coverage that helps insurance agents place challenging accounts with confidence. With proven experience in the human services sector, Veracity provides creative and flexible insurance solutions that address the unique exposures of over 200 different classes of business. Our program is supported by strong carrier relationships and is structured to help reduce risk, prevent losses, and manage claims efficiently. Ideal Accounts and Appetite This program is an excellent fit for a wide range of community-focused and service-oriented nonprofits and organizations. Common eligible classes include: Substance abuse treatment centers Group homes and halfway houses Counseling centers Adult day care facilities After-school programs and mentoring organizations Community outreach and advocacy groups If you have a client operating a residential facility for at-risk youth or a nonprofit offering behavioral health services, this program is designed to meet their complex needs. Coverage Highlights and Advantages Veracity’s Specialty Human Services program offers robust and comprehensive protection, including specialized coverages that many standard markets may overlook. Available lines include: Property General Liability Inland Marine Business Income Data Compromise Crime & Employee Dishonesty EDP/Computer Equipment Equipment Breakdown Abuse & Molestation Coverage Professional Liability Umbrella/Excess Directors’ and Officers’ Liability These coverages are designed to address real-world exposures, from data breaches to allegations of abuse, ensuring your clients have the protection they need to continue serving their communities. Underwriting Notes and Market Access Our underwriting team works closely with agents to understand the nuances of each insured’s operations. Most business is placed with admitted carriers, giving you and your clients peace of mind and compliance flexibility. We’re able to consider a wide range of account sizes, from small nonprofits to larger regional operations. While we do not list a minimum premium, we encourage you to submit accounts for review—especially those with specialized operations that may not fit standard markets. Territories and Availability The Specialty Human Services program is available in nearly all U.S. states, including but not limited to: CA, TX, FL, NY, IL, PA, and WA. We currently serve organizations in 49 states plus Washington, D.C., offering broad geographic flexibility for multi-state operations or brokers with diverse regional books. Why Work With Veracity Insurance Solutions? Veracity Insurance Solutions is a trusted carrier with deep experience in niche and underserved markets. Our Specialty Human Services program reflects our commitment to supporting community organizations with responsive service, risk management tools, and access to comprehensive coverages. Agents and brokers benefit from our underwriting support and ability to place difficult or unusual risks. Whether you're working with a startup nonprofit or an established behavioral health network, Veracity can help you secure the right protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for nonprofits and human service organizations such as counseling centers, group homes, adult day cares, and outreach programs serving vulnerable populations. Does the program offer coverage for abuse and molestation claims?Yes, Abuse & Molestation Coverage is available as part of the program to help address high-risk exposures faced by many human services organizations. Is this program available nationwide?The program is available in 49 states and Washington, D.C., offering broad availability across the U.S. Are both small and large organizations eligible?Yes, we can accommodate a range of account sizes, from small local nonprofits to larger regional service providers. Can I submit an account if I’m unsure it fits?Absolutely. Our underwriters are available to review and discuss unique or borderline submissions to determine eligibility. Need help placing an account? Connect with a market specialist.