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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.

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.

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.

Brown & Riding offers a Management Liability Insurance program to help agents and brokers place complex accounts with confidence. Our team combines deep niche expertise and strong market relationships to deliver tailored solutions, competitive pricing, and coverage enhancements. Whether your client is a private company, a non-profit, or a public entity, we help you identify exposures and assemble the right combination of D&O, EPLI, fiduciary, crime, and related coverages. Ideal Accounts and Appetite We write a broad range of accounts across these categories: Private Companies: Standalone or package policies D&O, EPLI, fiduciary liability, crime, kidnap/ransom/extortion, and General Partnership Liability Side A DIC and Individual Directorship Liability options Excess or run-off coverage for D&O, EPLI, and fiduciary lines Workplace violence coverage Non-Profits: Small non-profits (typically under 100 employees) Target classes include chambers of commerce, HOAs, and condo associations School leaders E&O and public officials E&O Fast quote turnaround—often within 24 hours with multiple markets Public Companies: From Fortune 500 to micro-cap firms Support for new public offerings (IPOs) Detailed quote comparisons to help clients make informed decisions Example accounts: a fast-growing private tech firm concerned about board-level liability; a small community non-profit facing employee-related exposure; or a newly public company seeking Side A DIC and follow-form excess capacity. If a client presents an emerging or unusual exposure, we have the appetite and market access to evaluate alternatives. Coverage Highlights and Advantages Access to a wide range of carriers and market options Customizable coverage structures—monoline or packaged solutions Ability to negotiate endorsements and enhancements based on account profile Capacity to address emerging exposures and evolving risk environments Underwriting Notes and Minimum Premiums Minimum premiums vary by coverage form and account size. We apply a tailored underwriting process that considers each account’s financial profile, governance practices, and claims history. Our scale and carrier relationships let us offer competitive options for complicated or sensitive risks. Territories and Availability This program is available in AR, KS, LA, MO, OK, TN, and TX. We work with a variety of carriers, and most offerings are written on a non-admitted basis to provide greater flexibility in coverage and pricing. Why Work With Brown & Riding? As a leading general agency and E&S broker, Brown & Riding provides marketplace insight, underwriting expertise, and responsive service for management liability placements. We keep pace with regulatory and coverage trends so you can protect clients and close transactions with confidence. Frequently Asked Questions What types of accounts are a good fit for this Management Liability Insurance program?This program is ideal for private companies, non-profits under 100 employees, and public companies—including those preparing for IPOs. Can I get monoline policies for just D&O or EPLI?Yes. We offer both monoline and package options and will recommend the structure that best matches the client’s exposures and budget. How quickly can I get a quote?For many non-profit accounts, quotes can be turned around within 24 hours. More complex private or public company placements may require additional underwriting time and carrier review. Are markets admitted or non-admitted?Most available markets are non-admitted, which allows more flexibility in coverage forms and pricing for specialized risks. In which states is this program available?This program is available in Arkansas, Kansas, Louisiana, Missouri, Oklahoma, Tennessee, and Texas. Need help placing an account? Connect with a market specialist. ...

Non-Profit D&O Insurance from Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, offers tailored Directors & Officers (D&O) Liability insurance for a wide range of non-profit organizations. Whether your client is a community-based foundation, a religious group, or a professional association, this program provides flexible coverage options to meet their unique operational risks. With access to multiple carriers and expertise in specialty risks, Mercator is a go-to wholesale broker for agents and brokers seeking comprehensive solutions for non-profit clients. Ideal Accounts and Appetite This program is designed for a broad spectrum of non-profit organizations, including but not limited to: Social service agencies Trade and professional associations Homeowners associations Private and recreational clubs Religious organizations Chambers of commerce Museums and cultural institutions Community and charitable foundations Hard-to-place and distressed accounts are also considered, including those with prior claims or financial concerns. If you have a client with a complex risk profile, Mercator can help structure a solution that fits. Coverage Highlights and Advantages Non-profit organizations face a wide range of exposures related to governance, employment practices, and professional services. This program offers flexible policy forms that can be customized based on your client’s needs. Coverage options include: Directors & Officers (D&O) Liability Employment Practices Liability (EPL) Professional Liability / Errors & Omissions (E&O) Many policy forms combine these coverages into a single product often referred to as "non-profit D&O." It is essential that the insured reviews the policy form to ensure it aligns with their operational exposures and expectations. Coverage is available for officers, directors, employees, and volunteers—helping to protect against claims involving fiduciary duties, employment disputes, and more. Underwriting Notes and Application Process Mercator Risk Services will accept most standard applications (excluding renewal apps), or can provide a tailored application specific to your client's situation. They are experienced in handling both straightforward and complex risks, including those with prior losses or financial challenges. There is no listed minimum premium, but the program is competitively priced and scalable depending on the size and risk profile of the organization. Territories and Availability This program is available on a non-admitted basis in all 50 states and Washington, D.C., including 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... WA, WV, WI, and WY. Why Work With Preferred Concepts and Mercator Risk Services Preferred Concepts LLC partners with Mercator Risk Services to bring you specialized market access and underwriting expertise for non-profit D&O risks. Their ability to handle both standard and unusual risks—such as financially impaired entities or those with prior claims—makes them a strong partner for agents and brokers looking to grow in the non-profit space. With responsive service, market access, and the flexibility to tailor coverage, Mercator is a valuable resource for your non-profit accounts. For more information, call (860) 527-9717 or email info@mercatorpro.com. Additional resources can be found at www.mercatorpro.com. Frequently Asked Questions What types of non-profit accounts are a good fit for this program?This program is ideal for social service agencies, religious organizations, professional associations, private clubs, and other 501(c)(3) or similar entities. Hard-to-place risks with prior claims or financial issues are also considered. Can coverage be customized for different types of non-profits?Yes, policy forms can be tailored to include D&O only, or expanded to include EPL and E&O, depending on the client’s operational needs and exposures. Is there a specific application required?Mercator Risk Services accepts most standard applications, excluding renewals. They can also provide a specialized application tailored to your client’s risk profile. Is this program available in all states?Yes, the program is available on a non-admitted basis in all 50 states and Washington, D.C. Does the program accept accounts with prior claims?Yes, the program is designed to accommodate distressed or hard-to-place accounts, including those with prior claims or financial difficulties. Need help placing an account? Connect with a market specialist.