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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.

NON-PROFIT ORGANIZATIONS PACKAGE coverage available in Ohio, Kentucky and Indiana Stoermer Insurance Brokers is a trusted Ohio-based Excess & Surplus Lines Broker with over 30 years of experience providing specialized insurance solutions for non-profit organizations. We work exclusively with retail agents in Ohio, Kentucky, and Indiana to help them place comprehensive package and professional liability policies tailored to the unique risks faced by non-profits. Ideal Accounts and Target Classes We offer tailored coverage solutions for a wide range of non-profit sectors. Our appetite includes, but is not limited to: Chambers of Commerce, Charitable Foundations & Trade Associations – Full package options including Directors & Officers (D&O), Employment Practices Liability (EPLI), Special Events, and Liquor Liability. Social Services – Animal shelters, Big Brothers-Big Sisters, food banks, soup kitchens, hospices, thrift stores, and similar organizations. Community Churches – Coverage for houses of worship of all faiths, including abuse and molestation sub-limits and optional D&O coverage. Youth Sports Organizations – Minimum-contact sports like basketball, soccer, softball, tennis, and golf. Available coverages include GL, Property, Abuse & Molestation, Assault & Battery, Inland Marine, D&O, and EPLI. Arts & Culture Entities – Museums, art galleries, theaters, musical troupes, ballets, choirs, and similar cultural organizations. Fraternal Clubs & Membership Organizations – Private clubs, community groups, and other member-based non-profits. Community Associations – Homeowner, townhome, condominium, and residential associations. Special Events – Short-term General Liability and Liquor Liability coverage available. Coverage Highlights and Advantages Broad package and professional liability options designed for the nonprofit sector Access to multiple carrier markets to help you find the right fit for your client Available sub-limits for abuse & molestation and other sensitive exposures Special events coverage, including liquor liability, for fundraising and community outreach activities Tailored D&O and EPLI options for boards, staff, and volunteers Whether you're working with a small food pantry or a mid-sized chamber of commerce, our program is flexible enough to adapt to a wide range of nonprofit operations. Underwriting Notes and Minimum Premiums Our underwriting approach is flexible, with minimum premiums that vary depending on class, exposures, and coverage selected. We work closely with agents to help secure competitive terms that meet the unique needs of each nonprofit client. Territories and Availability This program is available to licensed retail agents in: Ohio Kentucky Indiana We offer both admitted and non-admitted options, depending on the risk and carrier availability. Why Work With Stoermer Insurance Brokers? With three decades of experience serving the nonprofit sector, Stoermer Insurance Brokers understands the nuanced risks your clients face. We’re a dedicated partner to retail agents, offering market access, responsive service, and deep expertise in nonprofit insurance placements. If you need a reliable market for nonprofit package coverages, give us a try—we’re ready to help you serve your clients better. Frequently Asked Questions What types of accounts are a good fit for this program?We target a wide range of nonprofit organizations including social services, youth sports, arts & culture groups, religious institutions, and community associations. Is special events coverage available for short-term needs?Yes, we offer General Liability and Liquor Liability coverage for one-time or recurring special events hosted by nonprofit organizations. What coverages can be included in the Non-Profit Package?Depending on the class, we can include General Liability, Property, Directors & Officers, Employment Practices Liability, Abuse & Molestation, Inland Marine, and more. What states is this program available in?We currently offer this program to retail agents in Ohio, Kentucky, and Indiana. Do you offer admitted or non-admitted options?We have access to both admitted and non-admitted carriers, depending on the risk and state requirements. Need help placing an account? Connect with a market specialist. ...

Gateway Specialty Insurance offers a fast and reliable market for Special Event Insurance, providing brokers and agents with access to both Admitted and Non-Admitted carriers. Whether you're placing coverage for a small community fundraiser or a large-scale music festival, Gateway Specialty can help you quote and bind policies quickly and efficiently. Ideal Accounts and Event Types Our program is designed to accommodate a wide range of special events, including but not limited to: Beer Gardens and Beer Tents Car Shows and Motor Vehicle Events Concerts and Musical Performances Conventions, Trade Shows, and Exhibits Festivals and Parades Fundraisers and Picnics Private Parties and Weddings Sporting Events (amateur or non-professional) Other Miscellaneous Gatherings This program is ideal for agents working with clients who host one-time or short-term events, especially where liability, liquor, or cancellation exposures are a concern. Coverage Highlights and Advantages Coverage options available through Gateway Specialty Insurance may include: General Liability Liquor Liability Event Cancellation Weather Insurance Hole-in-One Coverage With access to USLI and other trusted carriers, we provide flexible solutions tailored to the unique risks of each event. Liquor liability and weather protection options are especially valuable for outdoor and licensed events such as beer festivals or wedding receptions. Underwriting Notes and Minimum Premiums Our underwriting team is responsive and knowledgeable, helping agents navigate quotes with minimal friction. Minimum premiums start at: General Liability: $225 Liquor Liability: $325 We accept submissions via applications or ACORD forms. There is no premium commitment or contract required, making it easy to place business with us. Territories and Availability This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR...WA, DC, WI, and WY. Why Work With Gateway Specialty Insurance? Gateway Specialty focuses on niche commercial markets, including special events, allied healthcare, nonprofit, and technology risks. We offer low minimum premiums, flexible billing options (agency and direct bill), and expert account management. Our non-admitted expertise allows us to handle unique or hard-to-place event risks quickly and efficiently. If you have a client planning a single-day concert or a weekend fundraising festival, we can help you secure the coverage they need—fast. For submissions, email your applications to submissions@gatewayspecialty.com or contact Anthony Vellutato at 877-977-4474 ext. 7044 or avellutato@gatewayspecialty.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for one-time or short-term special events such as concerts, festivals, fundraisers, weddings, and trade shows. What coverages are available for special events?We offer General Liability, Liquor Liability, Event Cancellation, Weather Insurance, and Hole-in-One coverage, depending on the event type. Are both admitted and non-admitted markets available?This program is placed through non-admitted markets, primarily USLI, allowing greater flexibility for unique and higher-risk events. What are the minimum premiums for this program?Minimum premiums start at $225 for General Liability and $325 for Liquor Liability coverage. How can I submit an application?You can email completed applications or ACORD forms to submissions@gatewayspecialty.com for a fast turnaround. Need help placing an account? Connect with a market specialist.

Performing Arts Insurance Program from Gateway Specialty Insurance Gateway Specialty Insurance provides a focused wholesale program that helps agents and brokers place insurance for nonprofit performing arts organizations. The program is built for creative, volunteer-driven groups — from community theaters to regional orchestras — and is sized to protect the common liability and property exposures these clients face. Ideal Accounts and Appetite This program targets nonprofit performing arts entities, including: Ballet companies Choirs and vocal ensembles Comedians and improv/comedy groups Dance troupes and performance ensembles Musical groups and chamber ensembles Orchestras and symphonies Theater and drama groups Typical fits are nonprofit organizations with modest annual revenues, volunteer staff, rented or shared rehearsal space, and portable props or instruments. Organizations with significant for-profit activities, touring with high-value special effects, or unusually hazardous productions may fall outside appetite. Coverage Highlights and Advantages Gateway Specialty’s Performing Arts Insurance program brings together common coverages performing arts nonprofits need, with flexibility to tailor limits where appropriate: Directors & Officers (D&O) Liability — protection for board members and leadership against management-related claims. Employment Practices Liability (EPLI) — coverage for claims arising from employment-related allegations. General Liability — primary protection for third-party bodily injury and property damage at performances and rehearsals. Property Coverage — options for owned or leased premises, including contents and building exposures. Inland Marine — coverage for musical instruments, costumes, portable sound/lighting equipment, and other movable property. The program places business with highly rated carriers, including USLI and Alliance of Nonprofit, and offers admitted and non-admitted paper in select states to match each account’s needs. Underwriting Notes and Minimum Premiums Gateway Specialty keeps submissions simple for eligible risks. Minimum premiums typically fall between $400 and $750, which makes the program accessible for smaller nonprofit groups. For well-qualified accounts, underwriters can often return same-day or next-day indications. When submitting, include basic financials, details on volunteer versus paid staff, descriptions of performance venues and frequency, and a list of high-value portable items (instruments, sets, lighting). High-risk activities, significant gross receipts from commercial operations, or frequent out-of-state touring should be disclosed up front. Territories and Availability The program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR..., UT, VT, VA, WA, DC, WI, and WY. Admitted coverage is available in some states; non-admitted options are used where needed to secure capacity. Why Work With Gateway Specialty Insurance? As a wholesale broker focused on nonprofit insurance, Gateway Specialty combines specialty underwriting, responsive service, and access to A++ rated markets. Agents benefit from underwriters familiar with performing arts exposures and the flexibility to place admitted or non-admitted paper based on the client and location. Example scenarios you can place through this program: A community theater nonprofit that needs general liability and property coverage for a season of six productions, plus inland marine for props and costumes. A regional youth orchestra that requires D&O and EPLI coverage for a volunteer board and protection for high-value instruments transported between rehearsal sites. To learn more about Gateway Specialty’s A++ rated admitted and non-admitted options, see their product detail page and request a quote via the existing link: insurance for nonprofit performing arts. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit performing arts organizations such as theater groups, choirs, orchestras, comedy troupes, and dance ensembles are ideal fits. Is coverage available on an admitted basis?Yes, admitted coverage is available in some states. Non-admitted options are also offered depending on the risk and location. What is the typical minimum premium for this program?Minimum premiums generally range from $400 to $750, depending on the type and size of the risk. Can I get a quote quickly?Yes, Gateway Specialty Insurance can often provide a same-day or next-day quote for qualified submissions. Which carriers are used for this program?This program is backed by trusted carriers including USLI and Alliance of Nonprofit, offering A++ rated coverage options. Need help placing an account? Connect with a market specialist.

When it comes to insuring 501(c)(3) organizations, Gateway Specialty Insurance offers agents and brokers reliable access to top-rated admitted and non-admitted markets. Our program is designed to meet the unique challenges nonprofit organizations face, offering quick quotes, competitive commissions, and value-added resources to help you place and retain this specialized business. Ideal Accounts and Appetite Gateway Specialty Insurance focuses on a wide range of nonprofit 501(c)(3) organizations. Our program is a great fit for: Charities and foundations Animal rescue and rehabilitation groups Arts and cultural organizations Public safety and community outreach programs Victim advocacy and rehabilitation services You might have a client running a local arts nonprofit or an animal shelter that relies on volunteers and donations. These are the types of accounts we’re equipped to insure efficiently and competitively. Coverage Highlights and Advantages We understand that nonprofits have limited budgets but significant exposure. Our program includes access to broad coverage options through trusted carriers such as USLI and Alliance of Nonprofit. Key advantages include: Same-day or next-day quotes available in most cases Free or discounted risk management tools and resources Optional coverage enhancements tailored for nonprofit exposures Access to both admitted and non-admitted markets Underwriting Notes and Minimum Premiums Our minimum premium for this program starts at $735, making it accessible for even small nonprofit organizations. We do not require a premium commitment or contract, and we offer both agency bill and direct bill options depending on the carrier and market. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, PA, OH, GA, NC, and WA. We currently serve clients in 48 states plus Washington, D.C., giving you extensive reach for your nonprofit clients nationwide. Why Work With Gateway Specialty Insurance? Gateway Specialty Insurance is a wholesale broker with deep expertise in nonprofit accounts. Our team knows how to navigate the underwriting process for 501(c)(3) organizations and delivers fast turnaround times and responsive service. We also specialize in allied healthcare and technology accounts, so if your client’s nonprofit has crossover with healthcare or tech, we can accommodate those needs as well. Email applications or ACORDs to submissions@gatewayspecialty.com or contact Anthony Vellutato at 877-977-4474 ext 7044 or avellutato@gatewayspecialty.com with questions. In addition to nonprofit organizations we specialize in writing allied healthcare and technology accounts. Low minimum premiums, no contract or premium commitment and expert account management make getting and selling a quote easy. Agency bill and direct bill is available with several of our admitted markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for 501(c)(3) nonprofits such as charities, animal rescue groups, victim support services, arts organizations, and public safety initiatives. What is the minimum premium for nonprofit insurance?The minimum premium starts at $735, making it accessible for small and mid-sized nonprofit organizations. Are both admitted and non-admitted markets available?Yes, Gateway Specialty Insurance offers access to both admitted and non-admitted markets depending on the risk and location. In which states is this program available?The program is available in most U.S. states, covering 48 states plus Washington, D.C. How quickly can I get a quote?Many quotes are available the same day or next day, depending on the completeness of the submission. Need help placing an account? Connect with a market specialist. ...