Nonprofit Management Liability Insurance
Liability Protection for Nonprofit Organizations
Nonprofits have many of the same vulnerabilities as for-profit businesses, plus other unique exposures. Agents can count on DeCotis Specialty Insurance for help finding a simple solution that covers multiple risks for your clients. We offer comprehensive Nonprofit Liability Insurance solutions from AM Best A-Rated markets, protecting nonprofit organizations and their board members, officers, and staff from costly claims and reputational damage.
Target Classes
FOR NONPROFITS
We provide our agency partners with specialty insurance options for various nonprofits, including but not limited to:
- Charitable foundations and community organizations
- Educational, cultural, and arts organizations
- Membership and advocacy associations
- Religious institutions
- Social service agencies and youth programs
- Professional trade or business associations
- Newly formed nonprofits
Coverage Options
DeCotis offers surplus lines solutions to help agents cover the special risks and unique liability exposures of nonprofits.
- Directors and Officers (D&O) Liability: Protection for boards and officers facing wrongful act claims, mismanagement allegations, or regulatory investigations
- General Liability (GL): Third-party coverage for bodily injury, property damage, and personal and advertising injury
- Professional Errors and Omissions (E&O): Coverage available for services rendered by the nonprofit, including its volunteers and contractors
- Property and Inland Marine: For owned buildings, transported property (e.g., musical instruments, sports equipment), business personal property, and business income exposures
- Special Events and Liquor Liability: For one-time fundraising events where alcohol is served or annual liquor operations at event venues
- Crime Coverage: For theft of money and securities, employee dishonesty, and robbery and burglary
- Sexual Abuse and Molestation Liability: Protection for religious organizations and groups working with children available as a part of a package or a stand-alone policy
- Nonprofit Umbrella/Excess General Liability: Available on a supported or stand-alone basis over primary liability, from carriers rated B++ or better, with minimum attachment point of $1 million for Commercial Umbrella and $500,000 for Excess Commercial Liability
Product Highlights
- Single policy and multi-coverage solutions designed specifically for nonprofit exposures
- Defense costs outside policy limits
- Lifetime occurrence reporting provision for former directors and officers
- Third-Party Sexual Harassment and Third-Party Discrimination Coverage available
- Data Security sublimit available
- Instant online or phone quote service available with AM Best A-Rated markets
Product Highlights
-
Instant comparative quote with
multiple markets - New ventures are eligible
- Blanket AI, Primary/Noncontributory, Waiver of Subrogation, Per Project Aggregate
- Up to 100% of subcontracted work qualifies
SUBMISSION REQUIREMENTS
Download the application that best suits your clients’ needs and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.
GETTING A MANAGEMENT LIABILITY QUOTE FOR A NONPROFIT IS SIMPLE
Select one of the following options to request a specialty insurance quote for your clients:
States where
we do business
States where we do business
- Connecticut
- Delaware
- Maine
- Maryland
- Massachusetts
- New Hampshire
- New Jersey
- New York
- Pennsylvania
- Rhode Island
- Vermont
- District of Columbia
- Florida
- Georgia
- North Carolina
- South Carolina
- Virginia
- Arizona
- Colorado
- New Mexico
- Oklahoma
- Texas
CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES
Your nonprofit clients may also require these products.
Commercial Property Insurance
Covers losses to owned or leased business property—including office space, tools and equipment, and inventory—resulting from fire, theft, vandalism, and other common threats.
Management Liability Insurance
Packages a variety of coverages, including Directors and Officers, Employment Practices Liability, Fiduciary Liability, and Crime to address the special risks directors, officers, and managers face.
Does DeCotis Deliver? Hear From Our Agency Partners.
THE POWER OF CHOOSING DECOTIS
- Access to AM Best A-Rated Carriers for Both Standard and Hard-to-Place Risks
- Single Solution for Multiple Exposures, including D&O, GL, E&O, Property, Crime, and Events
- Responsive Support from Experienced Underwriters
- Responsive Service, Competitive Pricing