ARTS AND CULTURE: Nonprofit performing arts groups, theater companies, orchestras and choral groups, art galleries, museums and theater buildings. Includes abuse and molestation for those groups working with children or teaching classes. Inland marine is also available for traveling theater groups.
BUSINESS ASSOCIATIONS: Meetings and networking events for business membership organizations, chambers of commerce, professional associations and trade associations. Blanket special event coverage to handle frequent fundraising activities. Educational enhancement endorsement is included to cover business seminars and instructional workshops. Abuse and molestation coverage available up to $1M.
CHARITIES: Arts and cultural support, booster clubs, foundations and parent/teacher associations. Blanket special event coverage and extend coverage to concessionaire activities. Abuse and molestation coverage offered up to $1M to support youth-focused organizations and fulfill school requirements. Educational enhancement endorsement is available for seminars and workshops.
CONDO/HOMEOWNERS ASSOCIATIONS: Broad eligibility for a variety of amenities including pools, lakes, and beaches. Property coverage up to $1.5 million total insurable value (TIV) and address dwellings converted into condominium associations in major metropolitan cities.
FRATERNAL CLUBS: Nonprofit clubs and private membership organizations; auxiliary groups, cultural organizations, ethnic clubs, hobby clubs, military private membership groups, social clubs, veteran organizations and clubs of many varieties. Commercial liquor liability with assault and battery coverage available.
HOUSES OF WORSHIP: Churches, synagogues, mosques and temples for all faiths and denominations. Fundraisers, special events and outreach activities automatically included. Can consider organizations not limited to food banks, soup kitchens, thrift stores, mission work, prison ministries, retreats, and youth programs. Optional coverage for pastoral professional, abuse and molestation, and defense reimbursement costs on certain criminal proceedings.
NONPROFIT PREMISES PREFERRED: Nonprofit organizations that only require premises liability to comply with lease requirements. The landlord can be added as an additional insured for no additional premium.
NONPROFIT UMBRELLA / EXCESS GENERAL LIABILITY: Available over risks matching our underlying appetite. No Self Insured Retention (SIR) required and coverage can be extended over the nonprofit directors and officers policy. Minimum attachment point is $1M for commercial umbrella and $500K for excess commercial liability.
SOCIAL SERVICES: Caregivers (non-medical), counseling and referral agencies, food banks/soup kitchens, hospices, thrift stores, shelters/halfway houses, mentally disabled – residential and day programs, and youth mentoring. Package offers abuse and molestation and social service professional coverage, each with a separate limit of liability. Abuse and molestation limit up to $1M.
SPECIAL EVENTS: For standalone event coverage, can provide general liability and/or liquor liability for events with up to 10K attendees per day. Property owners can be added as additional insureds at no extra cost. Preferred pricing for host liquor liability is available in many states.
SPORTS ORGANIZATIONS: Organized adult and youth sports teams, camps, clinics and multi-sport associations. Abuse and molestation, inland marine and assault or battery coverage available. Athletic participant coverage available for youth sports.
NONPROFIT DIRECTORS AND OFFICERS PROFESSIONAL LIABILITY
Rating By A.M. Best
Osprey Underwriters Underwriting
20 listings in 50 states + DCView Company
Availability 50 states + DC