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Gateway Specialty Insurance provides a competitive insurance program tailored specifically for nonprofit organizations — including chambers of commerce, booster clubs, parent-teacher associations, foundations, trade associations, and membership groups. As a wholesale broker with access to USLI and other top-rated markets, Gateway Specialty helps retail agents place comprehensive, affordable coverage for these unique risks. Overview of the Program From Gateway Specialty Insurance Nonprofit organizations serve vital roles in their communities but carry distinct liability and operational exposures. Gateway Specialty’s nonprofit program is structured to make quoting and placement simple for agents. You can expect straightforward submission requirements, fast turnaround (often same-day or next business day), and access to admitted markets where available—helpful when clients prefer admitted paper. Ideal Accounts and Appetite This program is designed for 501(c)(3) and similar nonprofit entities that need coverage for daily operations, board exposures, and fundraising or public events. Target classes include: Chambers of Commerce Booster Clubs and School Support Groups Parent-Teacher Associations (PTAs) Foundations and Charitable Trusts Trade and Professional Associations Membership-based nonprofits Good fits are organizations that run periodic fundraising events, manage volunteers, or maintain a governing board. Typically this program favors groups with straightforward operations and limited or well-managed event risk. Complex nonprofits with substantial property portfolios, high volunteer payroll exposure, or unusual licensing needs may require alternative markets. Coverage Highlights and Advantages Policies can be written as a package or monoline to match each client’s needs. Principal coverage options include: Business Owners Policy (BOP) Directors & Officers (D&O) and Employment Practices Liability (EPLI) Special Events Liability Crime Coverage (including Employee Dishonesty) Hired and Non-Owned Auto Liability (in most states) Umbrella Liability Gateway also offers complimentary risk management resources to help insureds lower exposures and meet venue or grant requirements. Underwriting Notes and Minimum Premiums The program accepts submissions with no appointment requirement and no premium commitment to quote. Minimum premium starts at $500, allowing placement of many small and mid-sized nonprofits. Underwriters typically review governance practices, event frequency and size, volunteer screening, and any fundraising/raffle activities. Provide ACORD forms and event details to speed quoting. Territories and Availability Available in most states: 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...T, VT, VA, WA, DC, WI, and WY. Most markets are admitted, which can simplify claims handling and compliance for insureds. Why Work With Gateway Specialty Insurance Gateway Specialty combines wholesale distribution with access to top carriers like USLI, experienced underwriting for nonprofits, and responsive account management. Agents benefit from fast quotes, flexible packaging, and no appointment barrier to submit. Whether you’re placing a single small PTA or managing a portfolio of membership associations, Gateway aims to deliver professional service and competitive terms. To submit an application, email your ACORD forms to submissions@gatewayspecialty.com. For questions, 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 nonprofit organizations such as chambers of commerce, booster clubs, PTAs, foundations, and membership groups. Is there a minimum premium required?Yes. The minimum premium for this program starts at $500, making it affordable for small and mid-sized organizations. What coverages are available?Coverage options include BOP, D&O, EPLI, special events, crime, hired/non-owned auto, and umbrella. Policies can be written as package or monoline. Do agents need an appointment to submit business?No. There is no appointment or premium commitment required to submit nonprofit business to Gateway Specialty. How quickly can I get a quote?Gateway Specialty offers same-day or next-day turnaround on most nonprofit submissions when complete ACORDs and event details are provided. 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.

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.

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.

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. ...