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...e are required when underwriting Goodwill Industries Insurance. NIF Group Inc....s program?This program is ideal for Goodwill Industries locations and similar nonprofit ...

...age stay competitive and creates goodwill with employees. For brokers, the tur...

...ter Care and Adoption Services • Goodwill Organizations • Mental Health and Co...

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 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.

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.

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.

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.