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Bailey Special Risks, Inc. offers a comprehensive Non Profit Package designed specifically for not-for-profit organizations with fewer than 50 employees. This program delivers a broad range of essential coverages bundled into one convenient solution, making it easier for agents and brokers to meet the unique insurance needs of nonprofit clients. Whether your client is a charitable foundation, a community service group, or a trade association, this package is built to protect their people, property, and operations. Ideal Accounts and Appetite This program is ideal for small to mid-sized nonprofit organizations operating across various sectors. Eligible classes include: Chambers of Commerce Trade Associations Art and Cultural Organizations Community Service Organizations Foundations Business Associations Charitable Organizations Counseling and Referral Services If you work with nonprofit clients seeking broad coverage options and streamlined underwriting, this program offers a strong market opportunity. Coverage Highlights and Advantages The Non Profit Package from Bailey Special Risks is structured to provide critical protections across multiple areas of exposure: Directors & Officers and Employment Practices Liability Separate limits of liability Defense costs paid outside the policy limits Unlimited Extended Reporting Period for former directors and officers Businessowners Package Special form property coverage Occurrence-form General Liability Automatic coverage for volunteers Special Events Coverage Includes up to three events annually with up to 100 attendees at no additional charge Liquor Liability available in most states Events with up to 1,000 attendees considered Professional Liability and Abuse & Molestation Separate limits of liability Coverage provided on an occurrence form This bundled approach allows agents to offer nonprofits a well-rounded risk management solution without piecing together separate policies. Underwriting Notes and Minimum Premiums The program is underwritten by United States Liability Insurance Group, known for its financial strength and expertise in specialty markets. While minimum premiums may vary by class and state, the program is structured to be competitively priced for smaller nonprofit operations. Submissions should include a completed application and any relevant event or financial details for faster quoting. Territories and Availability This Non Profit Package is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD...UT, VA, WV, WI, WY Why Work With Bailey Special Risks, Inc. Bailey Special Risks is a trusted wholesale broker with expertise in placing specialty risks for nonprofit organizations. With access to top-rated carriers and a responsive underwriting team, BSR helps agents secure tailored solutions for complex nonprofit exposures. If you’re looking to place a nonprofit account that needs both D&O and GL, or an organization that hosts fundraising events, this program offers the flexibility and breadth to meet their needs. Frequently Asked Questions What types of nonprofit organizations are eligible for this program?Eligible classes include chambers of commerce, trade associations, charitable organizations, community service groups, and similar 501(c) entities with fewer than 50 employees. Does the program include coverage for special events?Yes, the policy includes up to three events per year with up to 100 attendees at no charge. Larger events and liquor liability can also be considered depending on the state. Are volunteers automatically covered under the policy?Yes, the Businessowners Package automatically includes coverage for volunteers, an important feature for many nonprofit operations. What states is this program available in?The program is available in 40+ states, including CA, TX, FL, NY, IL, and GA. It is written on a non-admitted basis. Who is the carrier for this program?The program is underwritten by United States Liability Insurance Group, a respected provider of specialty insurance products. Need help placing an account? Connect with a market specialist.

Comprehensive Non-Profit Insurance Program From Victor O. Schinnerer & Company Victor O. Schinnerer & Company, Inc. offers a robust Non-Profit Insurance program designed to meet the evolving liability needs of non-profit organizations. As a leading Managing General Underwriter (MGU), Schinnerer provides agents and brokers with access to broad and competitive coverage through Navigators Insurance Company. This program is available in all 50 states and the District of Columbia, offering flexibility and reach for your clients across the country. Ideal Accounts and Appetite This program is tailored for a wide range of non-profit entities. Target classes include, but are not limited to: Adoption agencies Agricultural cooperatives Chambers of commerce Charitable organizations Clubs and social grou...tions Golf and country clubs Museums and historical societies Political clubs Quasi-governmental organizations Homeowner and condo associations (select) Senior care and social service providers Student exchange and education programs Trade and professional associations If you work with non-profit clients that engage in community development, advocacy, education, or member-based services, this program may be an excellent fit. For example, you might have a client operating a regional senior care service or a professional trade group—both would fall well within the program’s appetite. Coverage Highlights and Advantages Schinnerer’s Non-Profit Insurance program offers claims-made policies with flexible and broad protection, including: Directors & Officers (D&O) liability Fiduciary liability Employment Practices Liability (EPL) Key coverage features include: Shared or separate limits for different coverage parts Defense costs outside the limits of liability Defense coverage for wage and hour claims A softened D&O hammer clause to support better claims outcomes These features are designed to address the real-world exposures non-profits face around governance, hiring practices, and fiduciary responsibilities. Underwriting Notes and Minimum Premiums The program has a minimum premium of $650, making it an accessible solution for smaller and mid-sized non-profits. Deductible structures are competitive, with: $0 minimum deductible for D&O coverage $1,000 minimum deductible for EPL coverage Limits are available up to $5 million, depending on the size and risk profile of the organization. Underwriting is responsive and experienced in handling the nuances of non-profit operations. Territories and Availability This program is available on an admitted basis in all 50 states and the District of Columbia. Whether your client is based in California, Florida, Texas, or any other state, Schinnerer can provide compliant and reliable coverage solutions. Why Work With Victor O. Schinnerer & Company? With decades of experience in specialty underwriting, Victor O. Schinnerer & Company has built a reputation for deep expertise and dependable service. Their Non-Profit Insurance program is backed by a strong carrier, Navigators Insurance Company, and is supported by underwriters who understand the unique challenges faced by non-profits. You get access to specialized coverage, fast quoting, and a partner who can help you place both routine and complex non-profit accounts. Frequently Asked Questions What types of non-profit organizations are eligible for this program?The program targets a wide range of non-profits, including charities, chambers of commerce, adoption agencies, foundations, clubs, trade associations, and more. What coverages are included in the Non-Profit Insurance program?Coverage includes Directors & Officers (D&O) liability, fiduciary liability, and Employment Practices Liability (EPL), with flexible limit options and key enhancements like defense outside the limits. Is this program available in all states?Yes, the Non-Profit Insurance program is admitted and available in all 50 states and the District of Columbia. What are the minimum premiums and deductibles?The minimum premium starts at $650. The minimum deductible is $0 for D&O coverage and $1,000 for EPL coverage. Who is the carrier backing this program?The program is underwritten through Navigators Insurance Company, a respected carrier in the specialty insurance market. Need help placing an account? Connect with a market specialist.

The helpful, knowledgeable team at Insential, Inc. is here to support agents and brokers in placing the right coverage for a wide range of nonprofit clients. With deep experience in the nonprofit sector, we understand the unique challenges these organizations face—whether it’s limited funding, volunteer shortages, or reputational risks. Our Nonprofit Insurance program is designed to help you protect these mission-driven organizations with tailored coverage solutions from trusted carriers. Insurance Solutions for a Wide Range of Nonprofits Nonprofits vary widely in size, mission, and operations, and so do their insurance needs. At Insential, we offer access to a broad selection of markets to help you place coverage for both small community-based nonprofits and large established institutions. We provide solutions for: Religious Institutions ... Lynn Powers 630-571-6393 Frequently Asked Questions What types of nonprofit accounts are a good fit for this program?We target a broad spectrum of nonprofit organizations, including religious groups, youth camps, schools, healthcare agencies, humane societies, and more. Both small and large entities are welcome. Are admitted and non-admitted options available?Yes. We offer access to both admitted and non-admitted markets, depending on the specific risk profile and location of the nonprofit organization. Which states is this program available in?The program is available in most U.S. states, including CA, TX, IL, NY, and many others. Contact us to confirm availability for specific states. What coverages can I expect to access through this program?Depending on the account, coverages may include General Liability, D&O, Professional Liability, Cyber, Abuse & Molestation, Property, and more. What is the typical minimum premium?Minimum premiums vary by account and carrier. Contact us to discuss your client's specific needs and we’ll help identify appropriate options. Need help placing an account? Connect with a market specialist.

Affinity Nonprofits Directors' & Officers' (D&O) Liability Insurance Program — Custom D&O Solutions for Nonprofits Nonprofit organizations face exposures that differ significantly from for-profit entities. From event fundraising and volunteer management to regulatory oversight and board governance, nonprofits need D&O protection crafted for their mission, budgets, and volunteer-driven operations. The Affinity Nonprofits Directors' & Officers' (D&O) Liability Insurance Program from Affinity Specialty Program Network (ASPN), offered in partnership with carriers such as Hartford Financial Products, delivers tailored coverage and flexible limits designed specifically for a wide variety of nonprofit organizations. Ideal Accounts and Appetite Our program is a strong match for a broad spectrum of nonprofits, including: Alumni associations Chambers of commerce Country clubs Cemeteries Concerts and festivals Fitness clubs Foundations and fraternal organizations Historical and humane societies Land trusts and preservation groups Libraries and museums Rotary clubs Social service organizations Sporting events and symphony orchestras Theaters and performing arts groups If your client’s nonprofit is involved in community enrichment, education, professional development, or the arts and relies on volunteer leadership or public fundraising, this program is worth considering. Examples you can place here: A small community theater that runs seasonal productions, engages volunteers, and sells tickets — needs board and executive protection plus event-related exposures. A mid-size land trust that manages land projects, accepts donations and grants, and has a volunteer board — needs D&O plus fiduciary considerations for grant administration. Coverage Highlights and Advantages This D&O program provides comprehensive protection for nonprofit directors, officers, trustees, and key employees. Key features include: Liability limits up to $10,000,000 Defense costs typically paid outside the limit of liability Employment Practices Liability (EPL) including third-party coverage Personal injury and publishers liability Fiduciary (ERISA) defense cost coverage Duty-to-defend and entity identity (fraud) coverage extensions Expanded definition of loss including punitive and multiplied damages where insurable Broad insured definition covering part-time, seasonal, leased, and loaned employees Spousal/domestic partner coverage extension Breach of contract defense for non-employment disputes Sublimits for IRS 10% penalty tax and other regulatory fines Worldwide territory for most claims We also offer complementary products that let you build broader protection for nonprofit clients, including Showstoppers® Event Cancellation Insurance, Special Event General Liability, and Volunteer Accident Medical coverage. Underwriting Notes and Minimum Premiums Underwriting focuses on the nonprofit’s mission, governance practices, financial controls, volunteer exposure, and event activity. Minimum premiums vary by account size and risk characteristics; the program is positioned to be budget-conscious while preserving key coverages. ASPN’s underwriting team is experienced with nonprofit risk profiles and can work with you on policy wording, limits, and retention structure to place the account effectively. Territories and Availability This program is available on an admitted basis in all 50 states and Washington, DC: AL, AK, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR... WI, WY. Why Work With ASPN Affinity Specialty Program Network (ASPN) develops and manages niche insurance programs for targeted markets. For nonprofit D&O placements, ASPN provides: Access to admitted capacity with established carriers such as Hartford Financial Products Underwriters who understand nonprofit operations, volunteer governance, and event risks A streamlined quoting and placement process tailored for agents and brokers Options to bundle complementary products for event-heavy or volunteer-driven organizations Whether you represent a small local arts group or a multi-state foundation, ASPN’s program offers scalable protection to help shield leadership and support organizational continuity. All descriptions, summaries, or highlights of coverage are for general informational purposes only and do not amend, alter, or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Insurance license information Frequently Asked Questions What types of nonprofit accounts are a good fit for this program?This program is designed for a wide range of nonprofit organizations such as alumni associations, chambers of commerce, social service providers, arts groups, and land trusts. It is ideal for nonprofits with volunteer involvement, public fundraising, or board governance. What are the liability limits available through this program?The program offers liability limits of up to $10 million, with defense costs paid outside the limits in most cases to help preserve policy benefits. Does the program include coverage for employment-related claims?Yes, Employment Practices Liability Coverage (EPL) is included, covering claims such as wrongful termination, discrimination, and harassment. Is this program available nationwide?Yes, the Affinity Nonprofits D&O Liability Insurance Program is available in all 50 states and Washington, DC on an admitted basis. Are additional coverages available to complement the D&O policy?Yes, optional coverages include Event Cancellation Insurance, Special Event General Liability, and Volunteer Accident Medical coverage. Need help placing an account? Connect with a market specialist.

Gateway Specialty Insurance offers a dedicated wholesale program for fraternal and social clubs, built to address the common liability, property, liquor and management risks these nonprofit membership groups face. The program is broker-friendly, nationally focused, and underwritten through USLI to deliver competitive terms for hard-to-place or specialty accounts. Ideal Accounts and Appetite Gateway Specialty targets a broad range of fraternal and social organizations, including: American Legion posts Ancient Order of Hibernians Cultural and ethnic clubs Fraternal Order of Eagles Lions Club chapters Loyal Order of Moose Masonic lodges Order Sons of Italy Private membership and recreational clubs Protective Order of Elks Veterans of Foreign Wars (VFW) This program fits private, nonprofit groups that own or occupy club premises, host regular gatherings or public events, serve alcohol, or employ staff and volunteers. Typical risks addressed include general liability from events, liquor exposures, physical damage to club property, employee-related allegations, and management liability for volunteer leaders. Coverage Highlights and Advantages Agents can place either monoline or package policies depending on the club’s needs. Available coverages include: General Liability Liquor Liability Property (building and contents) Crime (available only when written with Property or General Liability) Directors & Officers (D&O) and Employment Practices Liability (EPL) Packaging GL, Liquor, Property and D&O/EPL often yields the most complete protection for clubs that host events, operate bars, or manage volunteer leadership. Underwriting is handled through USLI, providing access to a specialty carrier familiar with nonprofit exposures and alcohol-related liabilities. Underwriting Notes and Minimum Premiums The minimum premium for the full package (General Liability, Liquor, Property, D&O and EPL) starts at $2,100. Submissions may be made using company applications or ACORD forms. Gateway Specialty provides responsive underwriting service; no binding authority is required and the program supports both agency bill and direct bill arrangements depending on the market. Common underwriting considerations include ownership/occupancy status of the premises, alcohol service practices (licensed bartenders, third-party vendors, event types), payroll and volunteer exposure, prior loss history, and limits requested. Crime coverage is offered only when placed with Property or General Liability. Territories and Availability The program is available on a non-admitted basis in most U.S. states, including major markets such as CA, TX, FL, NY, IL, PA and GA. Agents should verify state-specific filing or surplus lines requirements during submission. Why Work With Gateway Specialty Insurance? Gateway Specialty is a wholesale broker focused on nonprofit and niche risks. Through relationships with top specialty markets like USLI, Gateway delivers tailored solutions for fraternal and social clubs that can be difficult to place in the standard market. Advantages for agents include competitive terms for package placements, low minimum premiums for complete programs, straightforward submission requirements, and responsive underwriting support—helping you win and retain mission-driven clients without production commitments. Example use cases: You might have a local Elks Lodge that owns its building, operates a bar for members and hosts weekly events — this account typically benefits from a package including GL, Liquor and Property plus D&O/EPL. Or you may represent a cultural society that rents space for public festivals and needs monoline GL with liquor liability for festival days. To obtain a quote, please email applications or ACORDS to submissions@gatewayspecialty.com or contact Anthony Vellutato at 877-977-4474 extension 7044 or avellutato@gatewayspecialty.com with questions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for nonprofit fraternal and social clubs that own or occupy premises, serve alcohol, or host public events — for example American Legion posts, Elks Lodges, Masonic lodges, and cultural clubs. Can I write just one line of coverage, like General Liability?Yes. The program accepts monoline placements, but Crime coverage is only available when placed with Property or General Liability. Is this program available in all states?The program is available in most U.S. states, including major markets such as California, Texas, Florida and New York. Coverage is issued on a non-admitted basis; confirm any state surplus lines requirements when submitting. What is the minimum premium for a full package?The minimum premium for the full package (GL, Liquor, Property, D&O and EPL) starts at $2,100. Which carrier underwrites this program?This program is underwritten by USLI, a specialty carrier with experience handling nonprofit and alcohol-exposed risks. Need help placing an account? Connect with a market specialist. ...