FAQ

NONPROFITS OWN® is a brand name for NIA’s enhanced liability coverage designed specifically for nonprofit organizations. The brand represents uniquely customizable coverage that is tailored to fit a nonprofit’s specific needs — at a fair and equitable price.

NIA works directly with brokers to determine which NONPROFITS OWN® coverages best fit a nonprofit’s specific budget, operations, and mission:

• Improper Sexual Conduct and Physical Abuse Liability
• Social Service Professional Liability
• Directors and Officers Liability (D&O)
• Business Auto Liability and Physical Damage
• Businessowners Property
• Participant/Volunteer Accident Coverage
• Umbrella Liability
• And more

Every policy is eligible for a payment plan upon request. A 20% down payment is required, after which NIA can split up the rest of your payments over the next 8 installments.

There are no additional fees beyond dues. No membership fees. No handling fees. No interest fees. No taxes.

Nonprofits often find the topic of insurance overwhelming.

NIA created this Nonprofits Insurance 101 guide to help make things a little easier.

No matter if you choose NIA for your insurance or a commercial carrier, this guide should help you understand the basics.

If you've got a brand-new nonprofit, or if you're thinking about starting one and just doing research for your budget, you may be interested in the minimum annual premiums for all the insurance coverage that NIA offers.

Your insurance quote will most likely differ, as your premium will be entirely defined by your nonprofit’s own level of risk.

Note: These minimum numbers are provided for informational purposes only.

Yes! In fact, NIA writes many organizations that are just starting out.

Just confirm you’ve applied for your organization's 501(c)(3) status by submitting to NIA a copy of your completed application and proof of payment to the IRS.

Note: You will be required to have your 501(c)(3) status within one year of purchasing coverage.

In the event a filed claim is not covered, work with your insurance broker to make sure that all of the facts and circumstances surrounding the claim have been properly communicated to NIA.

Lack of coverage is sometimes applicable to incidents such as:

• When the date of loss falls outside of the policy period
• When coverage is specifically excluded in the policy
• If there is no damage element to the claim

Check with your broker to see if there may be other applicable policies you have to make the claim against.