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 groups
- Community and cultural foundations
- 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.