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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 ...

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 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.

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.

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.

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.

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.

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.

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.

...ning Services – Programs such as Goodwill Industries Community Services – Animal she...