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...urance program, including Boys and Girls Clubs, YMCAs, YWCAs, Jewish community...mmunity Center Insurance: - Boys and Girls club insurance - Community center insur...

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

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

...r Educational Camps Boys & Girls Clubs YMCAs / YWCAs Community...disabilities or a regional Boys & Girls Club with multiple sites—this program wa...

... Mentoring Services Boys and Girls Clubs (excluding overnight stays) Pr...ams, mentoring services, and Boys and Girls Clubs that do not offer overnight stays....

Underwriting youth outreach programs requires specific expertise and infrastructure. At NIF Group Inc., we focus on the unique exposures nonprofit and human-service organizations face and help agents place tailored, practical coverage for groups serving youth. Our program combines flexible limits, admitted paper, and underwriting tailored to programs that rely on staff, volunteers, and partner professionals. Overview of the Program From NIF Group Inc. NIF Group Inc., a program administrator with deep experience in nonprofit and human services insurance, offers a package designed for youth outreach organizations. Whether your client runs an after-school program, mentoring network, or a community youth center, this program provides broad protection across common exposures — from general liability to professional and auto coverage — with admitted capacity through Liberty Mutual Insurance. Ideal Accounts and Appetite This program is intended for nonprofit organizations whose primary mission is youth development and community outreach. Typical classes include: Mentorship and leadership training programs Youth development nonprofits Community-based tutoring and educational services Recreational and after-school programs Accounts that commonly fit have clear programs for youth engagement, documented risk-management practices, and a mix of paid staff, volunteers, and occasional contractors or medical professionals. Examples you may place through this program: A regional mentoring nonprofit that uses screened volunteers to support at-risk teens and needs general and professional liability with volunteer coverage. A community after-school program with program-owned vans requiring liability and auto coverage plus property protection for activity equipment. Coverage Highlights and Advantages The Youth Outreach Programs Insurance package is built to provide comprehensive protection for the organization, its staff, and volunteers. Core coverages include: General Liability Insurance Professional Liability (including health care–related exposures) Property Insurance Auto Insurance Crime Insurance Boiler and Machinery Insurance Umbrella Insurance Optional extensions that can be added to address specialized exposures: Employee Benefit Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Nonprofit Directors & Officers Liability with Employment Practices Liability (EPLI) Policies are structured to recognize the operational realities of nonprofits, including coverage for volunteers, contracted staff, and licensed professionals working with the organization. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and operations of the organization. Underwriting evaluates service types, participant counts, volunteer use, vehicle exposure, property values, and the organization’s risk-control procedures. NIF's underwriting team works with agents on complex placements and can consider accounts with mixed staffing models and health-related services when appropriate. Territories and Availability This program is available in most U.S. states, excluding Hawaii and Louisiana. Coverage is offered on an admitted basis through Liberty Mutual Insurance. Why Work With NIF Group Inc.? NIF Group Inc. brings decades of experience managing specialized insurance programs for nonprofits and human service organizations. Agents benefit from a dedicated underwriting team familiar with youth outreach operations, admitted paper through a recognized carrier, and a suite of coverages that simplify placement and help clients maintain long-term protection. We partner with agents to assess exposures, recommend appropriate limits and endorsements, and streamline the submission and binding process. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit organizations focused on youth services—after-school programs, mentoring groups, youth development, and community outreach initiatives—are ideal fits. Can volunteers and medical professionals be covered under the policy?Yes. The policy can be structured to include liability coverage for volunteers, independent contractors, and medical professionals affiliated with the organization. Is this program available nationwide?The program is available in most U.S. states, except Hawaii and Louisiana. What carrier underwrites this program?This program is underwritten by Liberty Mutual Insurance on an admitted basis. Are optional coverages like D&O and sexual misconduct liability available?Yes. Optional coverages such as Nonprofit D&O with EPLI and sexual/physical misconduct liability can be added based on the organization’s needs. Need help placing an account? Connect with a market specialist.

NIF Group Inc. administers a robust, flexible Halfway Houses Insurance program built for nonprofit and social-service organizations that operate transitional housing, recovery residences, and residential re-entry programs. As a program administrator, NIF Group gives agents and brokers access to broad coverage placement through Liberty Mutual Insurance, backed by targeted underwriting and claims-aware solutions. This program is designed for organizations of varying size — from a single-location nonprofit to multi-facility operators — and is structured to protect staff, volunteers, licensed healthcare providers, property, vehicles, and day-to-day operations common to halfway house settings. Coverage Highlights and Program Features NIF Group’s Halfway Houses Insurance program is offered as a comprehensive package policy with core property and liability protections and flexible options to address the unique exposures of halfway house operations. Coverage can be extended to employees, volunteers, independent contractors, and healthcare professionals associated with the organization. Standard coverages include: General Liability Insurance Professional Liability (including healthcare liability) Property Insurance Auto Insurance Boiler and Machinery Insurance Crime Insurance Umbrella Liability Optional coverages available to tailor the policy include: Employee Benefit Liability Equipment Breakdown Sexual and Physical Misconduct Coverage Nonprofit Directors & Officers (D&O) Liability with EPLI Ideal Accounts and Underwriting Considerations This program is a strong fit for nonprofit halfway houses, drug and alcohol recovery homes, and community re-entry programs. Underwriters look for accounts with documented operational policies, staff training programs, volunteer screening, incident reporting procedures, and basic physical security measures. Typical accounts that fit well: A nonprofit running a transitional housing program for individuals returning to the community after incarceration, with on-site case management but limited onsite medical services. A recovery residence that provides residential treatment with licensed medical staff, structured programming, and volunteer support. Accounts with uncontrolled open intake, high client-to-staff ratios, active criminal operations on premises, or extensive on-site medical procedures may require additional review or may be outside the program’s appetite. Availability and Admitted Status The program is available in most U.S. jurisdictions (Hawaii and Louisiana are excluded). Coverage can be written on an admitted or non-admitted basis depending on state rules and the insured’s needs. Agents may place business in the following states and DC: 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, DC. Why Work With NIF Group? NIF Group brings focused expertise in nonprofit and human-services insurance and longstanding carrier relationships, including placement access to Liberty Mutual Insurance. As a program administrator, NIF provides responsive underwriting, tailored coverage options, and practical risk management guidance that help agents close and service halfway house accounts. Key selling points for agents: Access to comprehensive package solutions through a national carrier (Liberty Mutual). Flexible limits and endorsements designed for nonprofit social-service operations. No set minimum premium, allowing you to place both smaller and larger nonprofit clients. Underwriting that recognizes common operational controls and rewards documented risk management. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit halfway houses, transitional housing programs, addiction recovery homes, and community re-entry facilities with documented policies and staff training are ideal candidates. Is this program available in all states?The program is available in most states except Hawaii and Louisiana. Admitted versus non-admitted placement depends on the state and the insured’s needs. What coverages are included in the policy?Core coverages include general liability, professional liability, property, auto, crime, boiler and machinery, and umbrella. Optional enhancements such as D&O with EPLI and sexual misconduct coverage are available. Can volunteers and contractors be covered under the policy?Yes. The program can be structured to include volunteers, independent contractors, and medical professionals, subject to underwriting review. Who is the carrier for this program?Coverage is placed through Liberty Mutual Insurance. Need help placing an account? Connect with a market specialist.

Significant expertise and infrastructure are required to effectively underwrite hospice and palliative care risks — and NIF Group Inc. delivers both. As a dedicated Program Administrator, NIF Group offers a cohesive Hospice Insurance program designed for nonprofit and for-profit hospice organizations. These accounts often involve complex exposures — from volunteer management to professional medical services — so the program emphasizes flexible, tailored protection that agents and brokers can place with confidence. Hospice providers face a distinct mix of liability and operational risks involving staff, volunteers, and contracted medical professionals. NIF Group’s program combines sector-focused underwriting with broad package options to address those exposures. Whether your client is a small community hospice, a faith-based volunteer-driven program, or a multi-location provider offering in-home and facility care, this solution supports diverse operational models in one policy framework. Ideal Accounts and Appetite This program is best suited for nonprofit and for-profit hospice care providers delivering end-of-life and palliative services. Typical accounts include: Licensed hospice organizations providing in-home care or operating hospice facilities Faith-based or nonprofit groups that rely on volunteer caregiving staff Hospices that employ or contract with licensed medical professionals Example fits: you might have a client who operates a hospice center with a mobile care team and volunteer chaplains, or a rural hospice that relies on independent-contractor nurses. Both are strong candidates for placement through NIF Group’s program. Coverage Highlights and Advantages The program is issued as a broad package with optional enhancements to match an insured’s specific exposures. Standard and commonly available coverages include: General liability Professional liability, including health care liability Property Auto (including hired and non-owned exposure) Crime Boiler and machinery Umbrella liability Optional enhancements available to tailor limits and coverage form include: Employee benefit liability Directors & Officers (D&O) for nonprofits with EPLI Sexual and physical misconduct coverage Equipment breakdown Policies can be structured to include volunteers, independent contractors, and medical professionals — a key advantage for providers that rely on mixed staffing models. Underwriting Notes and Minimum Premiums NIF Group’s underwriters bring deep hospice and social-service sector knowledge to complex placements. Minimum premiums vary by state, size of operation, services provided, and coverages selected. Underwriting focuses on: Licensing and accreditation status Scope of services (in-home vs. facility-based care) Use of volunteers and contract clinicians Risk management practices and incident reporting For precise minimums and program guidelines, contact NIF Group’s underwriting team or your market specialist. Territories and Availability The Hospice Insurance program is available nationwide except for Hawaii and Louisiana. Admitted coverage is available in all eligible states, providing a stable and compliant solution where admitted placements are required. The program is underwritten by Liberty Mutual Insurance, giving agents access to a nationally recognized carrier through NIF Group’s administrative platform. Why Work With NIF Group Inc.? NIF Group combines decades of specialty program experience with market access to top-rated carriers like Liberty Mutual. As a Program Administrator, NIF Group offers: Specialized underwriting for hospice and palliative care risks Flexible package forms and optional enhancements to match real-world operations Experience placing accounts that include volunteers and contracted clinicians Responsive service and solutions-driven placement support Whether you are placing a new account or seeking broader coverage for an existing client, NIF Group can be a strategic partner for hospice risks. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed hospice care providers — both in-home and facility-based — along with nonprofit and faith-based organizations that use volunteers, are strong fits for this program. Is coverage available for volunteers and independent contractors?Yes. Policies can be tailored to include volunteers, independent contractors, and medical professionals who provide services for the insured organization. Which carrier underwrites this program?The program is underwritten through Liberty Mutual Insurance, offering admitted paper in eligible states. Are there any states where this program is not available?Yes. The program is not available in Hawaii or Louisiana but is offered in the remaining U.S. states and Washington, D.C. What is the minimum premium for this program?Minimum premiums vary depending on the organization’s size, services, and coverages selected. Contact NIF Group for specific underwriting and minimum premium details. Need help placing an account? Connect with a market specialist.

Significant underwriting expertise and infrastructure are essential when writing Mental Health Facilities Insurance. NIF Group Inc. understands the nuanced risks involved in serving nonprofits and social services, and offers agents a robust program designed to meet the unique needs of mental health providers. From community clinics and counseling centers to residential treatment facilities, you can place accounts that require flexible and comprehensive protection for their operations, staff, and volunteers. Ideal Accounts and Appetite This program is designed for a wide range of behavioral and mental health organizations, including: Outpatient counseling centers Residential treatment facilities Substance abuse and rehabilitation centers Community mental health clinics Youth and family support services Whether your client is a small nonprofit with a handful of staff or a multi-site provider with independent contractors and on-site medical professionals, NIF Group’s tailored solutions can help you meet their complex insurance needs. Coverage Highlights and Advantages NIF Group’s package policies are designed to protect all aspects of your insured’s operations—from their physical location to their people. Key coverages include: General liability insurance Professional liability (including healthcare liability) Property insurance Auto insurance Crime insurance Boiler and machinery insurance Umbrella insurance Optional enhancements are available to expand coverage, including: Employee benefits liability Equipment breakdown Sexual/physical misconduct coverage Nonprofit D&O liability with EPLI Importantly, policies can be structured to include coverage for volunteers, independent contractors, and medical staff—ensuring your clients are protected no matter how their teams are configured. Underwriting Notes and Minimum Premiums NIF Group underwrites these accounts with a strong understanding of the social services sector. Minimum premiums vary based on size, services offered, and exposure level. Submissions should include detailed loss history, staff rosters, and a clear description of services provided. Risks with strong risk management protocols and staff training programs are typically a better fit. Territories and Availability The Mental Health Facilities Insurance program is available in most states across the U.S., excluding Hawaii and Louisiana. This includes major markets such as California, Texas, New York, Florida, and Illinois. Policies may be written on an admitted basis, depending on the state and risk profile. Why Work With NIF Group Inc.? NIF Group Inc. is a trusted program administrator with a proven track record in the nonprofit and social services space. Backed by Liberty Mutual Insurance, they offer agents access to competitive markets, responsive underwriting, and policy flexibility. You can count on NIF Group for support throughout the policy lifecycle—from quoting to servicing to renewal. For example, you may have a nonprofit client offering outpatient therapy and support groups, employing licensed professionals and volunteers. Or perhaps a residential facility for teens with behavioral health needs. These are exactly the types of accounts NIF Group’s program is built to serve. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for outpatient counseling centers, residential treatment programs, substance abuse facilities, and other behavioral and mental health organizations, especially those operating as nonprofits. Can volunteers and contractors be covered under the policy?Yes, the program allows for flexible policy structures that can include coverage for volunteers, independent contractors, and medical professionals working with your clients' organizations. Which states is this program available in?This program is offered in most U.S. states, except Hawaii and Louisiana. Coverage is available in states such as NY, CA, TX, FL, and more. Who underwrites the policies for this program?Policies are underwritten by Liberty Mutual Insurance, a leading carrier in the industry, through NIF Group Inc. as the program administrator. What is the minimum premium for this program?Minimum premiums vary depending on the size and nature of the risk. Contact NIF Group for underwriting guidelines and quote details. Need help placing an account? Connect with a market specialist.

Let NIF Insurance Services of California help you build your book of business with our Artisan Contractors Insurance Program. Since 1991, NIF Group Inc. has focused on delivering comprehensive insurance solutions for commercial, residential, and service & repair contractors. Designed for both brokers and insureds, this program combines flexible underwriting, competitive pricing, and responsive service to address the specific exposures contractors face today. Ideal Accounts and Appetite This program is available to artisan contractors operating in California, Arizona, and Nevada. We write a broad range of classes, including: Drywall, acoustical tile, and insulation Electrical (including telephone and cable installation) Fencing and landscaping, including arborists Floor covering and carpet installation Glaziers and glass dealers HVAC and refrigeration installation/repair Home installation services (cabinets, doors, windows, fixtures, etc.) Land development, paving, and trenching Masonry and concrete Painters and sign installers Plumbing and remodelers Solar energy contractors Swimming pool builders and related trades Tile and stone installers (granite, marble, etc.) Whether your client is a solo handyman or a mid-sized subcontractor working on residential or light commercial projects, this program offers the flexibility to meet those needs. Coverage Highlights and Advantages The Artisan Contractors Insurance program places business with carrier partners rated "A" or better and offers broad coverage options tailored for contractor operations: General liability (package or monoline) Commercial auto (monoline auto considered) Property and inland marine Excess liability options Limited pollution coverage, including mold (select classes) Program advantages built for agents and insureds include: Competitive commissions for agents Monthly general liability reporting with Pay-As-You-Go options No minimum deposit; auditable premium up or down Subcontractor Warranty to protect named insureds when subcontractors are underinsured No mandatory prior work exclusion Additional insureds for both residential and commercial projects Primary wording, waiver of subrogation, and per-project aggregate available New tract work accepted Underwriting Notes and Minimum Premiums This program is best suited for small to mid-sized artisan contractors with demonstrable safety controls and stable operations. The minimum premium starts at $1,000, making the program accessible for many accounts. We can place business admitted or non-admitted depending on the risk profile and coverage needs. Territories and Availability The Artisan Contractors Insurance Program is available in California, Arizona, and Nevada. We have appetite for both residential and light commercial work, including contractors involved in new tract development within these states. Why Work With NIF Group Inc. NIF Insurance Services of California, a division of NIF Group Inc., brings over 30 years of specialty expertise in the artisan contractor market. As a program administrator, NIF combines experienced underwriting, strong carrier relationships, and hands-on service to help brokers place accounts efficiently. Example scenarios where this program fits well: You might have a client who recently expanded into solar installations and needs coverage aligned with green-energy projects. Or a growing landscaping firm taking on light development work that requires broader liability and inland marine protections. We offer the tools and flexibility to quote those accounts competitively and get them placed. Frequently Asked Questions What types of accounts are a good fit for this program?Artisan contractors doing residential, commercial, or service/repair work—such as electricians, plumbers, HVAC techs, landscapers, painters, and remodelers—fit well in this program. Is prior work exclusion automatically applied?No. There is no mandatory prior work exclusion in this program, which can provide broader protection for insureds. Are subcontractors covered under this program?Yes. A Subcontractor Warranty is available to protect the named insured when a subcontractor is inadequately insured, subject to policy terms. Which states is this program available in?The Artisan Contractors Insurance Program is available in California, Arizona, and Nevada. What is the minimum premium for this program?The program has a minimum premium starting at $1,000, which helps make coverage accessible for small to mid-sized contractors. Need help placing an account? Connect with a market specialist.