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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...

...ed child care programs, Boys & Girls Clubs Recreational Programs – YMCAs, YW...

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.

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.

Significant expertise and underwriting infrastructure are required to properly insure adult day care facilities and senior centers. These organizations often face complex risks that go beyond standard liability exposures. NIF Group, Inc. offers a comprehensive insurance program tailored specifically for adult day care operations, senior centers, and related nonprofit or social service organizations. This program is designed to support agents and brokers seeking reliable and flexible coverage solutions for clients who serve aging or vulnerable populations. Ideal Accounts and Appetite This program is best suited for: Adult day care centers Senior community centers Facilities offering non-residential care or supervision for elderly and disabled clients Nonprofits providing daytime programs for seniors, including transportation and meal services Whether your client is a small community-based organization or a larger regional nonprofit, this program can accommodate a wide variety of operational models. Facilities with staff, volunteers, independent contractors, or on-site medical professionals can be considered. Coverage Highlights and Advantages NIF Group’s package policies are crafted to provide broad protection for your insured’s operations, facilities, and personnel. Key coverages include: General Liability – Protection for premises and operational exposures Professional Liability – Including health care liability for medical services provided Property Insurance – Coverage for buildings, contents, and equipment Auto Insurance – For owned, hired, or non-owned vehicles used in service operations Crime Insurance – Protection against theft or fraud Boiler and Machinery – Equipment coverage for mechanical systems Umbrella Insurance – Additional liability limits for broader protection Optional coverages allow you to tailor the policy to your client’s specific needs: Employee Benefit Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Nonprofit Directors & Officers Liability with EPLI Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the scope of services, number of participants, staffing model, and location. NIF Group’s experienced underwriters understand the nuances of nonprofit and social service risks and will work closely with you to evaluate each account on its merits. You might have a client who operates a licensed adult day program with transportation and part-time nursing staff. This program offers the coverage flexibility to include medical professionals and volunteers, making it a strong fit for operations with layered responsibilities and services. Territories and Availability This insurance program is available in most states across the U.S., with the exception of Hawaii and Louisiana. Coverage may be offered on an admitted or non-admitted basis depending on the state and risk characteristics. The broad geographic reach makes it easier for agents to place multi-location or regional operations under a consistent coverage framework. Why Work With NIF Group, Inc.? NIF Group is a trusted program administrator with deep expertise in nonprofit and social service sectors. Their infrastructure supports agents with responsive service, flexible underwriting, and access to specialized market solutions. With a focus on challenging or misunderstood risks, NIF Group helps you deliver long-term protection and peace of mind to your clients in the adult care and senior services space. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include adult day care centers, senior community centers, and nonprofit organizations offering daytime care or programming for seniors. Can this program cover medical professionals working on-site?Yes, the policy can be structured to include liability coverage for medical staff, independent contractors, and volunteers. Which states is the program available in?The program is available nationwide except in Hawaii and Louisiana. Is the coverage admitted or non-admitted?Coverage is available on either an admitted or non-admitted basis, depending on the state and specific risk. What is the minimum premium for coverage?Minimum premiums vary based on factors such as size, services offered, and location. Contact NIF Group for underwriting guidelines. Need help placing an account? Connect with a market specialist.

Let NIF Insurance Services of California help you grow your book of business with our specialized insurance program for Artisan Contractors, including Acoustical Tile Installation. Since 1991, we’ve focused on supporting commercial, residential, and service & repair contractors with targeted solutions that meet the real-world needs of brokers and insureds alike. Our program is designed with underwriting flexibility, responsive service, and practical payment options that help you succeed in placing business efficiently and competitively. Ideal Accounts and Appetite This program is ideal for artisan contractors who specialize in acoustical tile installation, including those working on commercial tenant improvements, educational facilities, hospitals, retail buildouts, and residential projects. We also consider accounts with subcontractor exposures, provided they meet our subcontractor warranty requirements. New tract work is acceptable, and we are open to both package and monoline placements. You might have a client who installs suspended ceiling systems in office buildings or a contractor who handles acoustic paneling in schools—these are strong fits for our program. Coverage Highlights and Advantages Our Artisan Contractors Insurance Program offers flexible coverage options and valuable features that help protect your insured’s operations and give you a competitive edge: Competitive commissions Monthly General Liability reporting pay plan – pay as you go Package or monoline coverage available No minimum & deposit premium; flexible premium audits Subcontractor warranty provides protection if subcontractors are underinsured No mandatory prior work exclusion Additional insured endorsements for both residential and commercial work (primary wording) Waiver of subrogation available Per project aggregate limits New tract construction accepted Access to “A” rated admitted and non-admitted carriers Coverage Options General Liability Commercial Auto (monoline auto considered) Property Inland Marine Excess Liability Limited pollution coverage (mold included for qualifying classes) Underwriting Notes and Minimum Premiums Minimum premiums for this program start at $1,000, making it accessible for smaller accounts while still offering robust protection and features. Our underwriters are experienced in evaluating artisan contractors and can work with you to tailor coverage for your client’s risk profile. Territories and Availability This Acoustical Tile Installation Insurance Program is currently available in California, Arizona, and Nevada. We offer both admitted and non-admitted carrier options depending on the account and location. Why Work With NIF Group Inc. As a trusted Program Administrator with decades of experience in the contractor space, NIF Group Inc. understands the nuances of artisan contractor risks. We offer responsive service, flexible underwriting, and strong market access to help you meet your client’s needs and grow your business. Our long-standing commitment to agents and brokers ensures you’ll have a partner who understands your challenges and delivers solutions that work. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan contractors specializing in acoustical tile installation, including commercial, residential, and new construction work. Is subcontractor work eligible under this program?Yes, subcontractor exposures are acceptable as long as they meet the subcontractor warranty requirements. What states is this program available in?The program is currently available in California, Arizona, and Nevada. Can I write monoline coverage through this program?Yes, monoline General Liability or Commercial Auto can be considered depending on the account. What is the minimum premium for eligible accounts?Minimum premiums start at $1,000, making the program accessible for small to mid-size contractor risks. 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.