This ALL-IN-ONE product is designed for office based non profit organizations by providing Directors & Officers, business owners coverage and special events/liquor liability.

Ineligible Specialty Nonprofit
Please note we cannot offer coverage to the following:
  • Risks without a functioning smoke detector in all common areas
  • Has aluminum or knob and tube wiring
  • Wiring not 100 percent connected to functional circuit breakers
  • Located in AK, LA or WV International operations
  • Protests, demonstrations or rallies
  • Professional trade journal publications
  • Neighborhood or crime watch organizations

​​Available Coverage for Specialty Nonprofit
  • Directors and officers/employment practices features:
    • Separate limits of liability
    • Defense costs outside the limit
    • Lifetime occurrence reporting provision for former directors and officers
    • Third party sexual harassment and third party discrimination coverage
    • Punitive damages, where insurance by law is included automatically
    • Duty to defend
    • Full prior acts coverage
  • Businessowners policy
  • General liability on an occurrence form
  • No general liability deductible
  • Property on special form
  • Automatic coverage for volunteers
  • Special events/liquor liability coverage

Coverage Limits Available for Specialty Nonprofit
  • Up to $5,000,000 for directors and officers and employment practices liability
  • The employment practices liability limit may not exceed the directors and officers limit
  • Businessowners policy
    • General liability $1,000,000 limit/2,000,000 aggregate
    • Special events/liquor liability
    • General liability policy limit
    • Property coverage
      • Up to $250,000 coastal areas (subject to company coastal guidelines)
      • Up to $200,000 in protection class 7-10
      • Up to $3,000,000 non-coastal and protection class 1-6