Search CompleteMarkets

NetGuard™ Plus, the cyber liability solution from NAS Insurance Services, protects e-commerce clients from a wide range of digital risks — including network security breaches, data privacy incidents, PCI exposures, and online media liabilities. Overview of the Program From NAS Insurance Services NAS Insurance Services offers NetGuard™ Plus, a cyber liability program built specifically for retail and e-commerce businesses. Whether a client runs an online storefront, stores customer data, or depends on cloud services and social media for sales and marketing, NetGuard™ Plus provides flexible limits and a rapid breach response framework to help contain loss and reputational damage. Ideal Accounts and Appetite This program is best for e-commerce and retail operations that have direct consumer interaction online or that process payments electronically. Typical fits include: Direct-to-consumer online retailers and specialty storefronts Brands that handle customer PII or payment card data Companies that rely on cloud providers, third-party platforms, or social media for business operations You might place a growing apparel brand with an integrated online checkout and customer database, or a specialty shop that outsources fulfillment to cloud-based vendors — both are prime candidates for NetGuard™ Plus. Coverage Highlights and Advantages High breach response limits: Separate breach response sublimits that do not erode the policy aggregate, ensuring defense capacity for third-party claims. Network asset protection: Coverage for business interruption and data restoration following a security event. PCI fines & penalties: Payment card-related fines and associated defense costs are included where applicable. Notification & credit monitoring: Breach notification and consumer monitoring are available even if legal notification is not required. Pre-emptive PR expenses: Funds for public relations to manage reputational risk before issues escalate. No cloud or social media exclusions: Express coverage for exposures arising from cloud providers and social platforms. Limits are available up to $10 million, and each placement includes access to a breach response team staffed by industry experts to help coordinate forensics, legal counsel, notification, and remediation. Underwriting Notes and Minimum Premiums NetGuard™ Plus is underwritten by NAS Insurance Services as a Managing General Underwriter with placement access to Lloyd’s of London and other highly rated carriers. The program is designed to serve small to midsize e-commerce risks; minimum premium starts at $750. Underwriting focuses on current security controls, data volume and sensitivity, payment processing methods, and use of third-party vendors. Territories and Availability This is a non-admitted program available in most U.S. states. NAS currently writes NetGuard™ Plus in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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...UT, VT, VA, WA, DC, WV, WI, WY. Confirm eligibility for your specific state when submitting. Why Work With NAS Insurance Services? NAS Insurance Services brings specialized cyber underwriting and program administration experience. As an MGA, NAS pairs technical cyber expertise with access to top-tier markets — including Lloyd’s — to place complex e-commerce risks. Agents benefit from flexible limits, a ready breach response network, and responsive underwriting tailored to digital business models. Frequently Asked Questions What types of accounts are a good fit for this Cyber Liability program?Online retailers, e-commerce platforms, and businesses that collect or process customer data or payments online are ideal candidates for NetGuard™ Plus. Is coverage available for businesses that operate in the cloud or use social media?Yes. NetGuard™ Plus explicitly includes exposures from cloud providers and social media without special exclusions for those technologies. Are breach response costs included in the coverage?Yes. Breach response services — including notification, credit monitoring, and public relations — are included and can be provided even when notification is not legally required. What limits are available under this program?Policy limits are available up to $10 million, with separate breach response limits structured to preserve defense capacity for third-party liability claims. Which states is this program available in?The program is available on a non-admitted basis in most U.S. states. Review the listed territories or check eligibility for the applicant’s state before quoting. 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. ...