Non Profit Insurance

We deliver a combination of solid insurance coverage, stable pricing, and exceptional service.

We provide the following coverages for the nonprofit organizations in and around Troy Illinois and the St. Louis Metro are through our:

  • Property
  • General Liability
  • Professional Liability
  • Auto
  • Umbrella
  • Workers’ Compensation
  • Directors & Officers
  • Cyber Liability
  • Bonds

Nonprofit Insurance General Liability Endorsements

  • Primary Liability Insurance
    • Standard limits are
      • $1 million per occurrence for general liability
      • $1 million per occurrence for sex abuse
      • $1 million per occurrence for social work
      • $1 million per occurrence for medical
      • $3 million policy aggregate
  • Sexual Abuse Liability
  • Social Work, Foster Care and Counseling Liability
  • Incidental and Vicarious Medical Liability
  • Special Event Liability
  • Comprehensive D&O/EPLI/Fiduciary and Network Security and Privacy Liability

Alternative to State Unemployment Insurance

  • All employers are required to pay for SUI. For-profit employers have only one option to cover their SUI obligations: Pay a tax into the State Unemployment Fund.
  • 501c3 nonprofits and governmental employers can opt to self-insure, also known as reimbursing, and not pay via the tax method. But self-insuring can be risky and challenging to manage.

By making this switch, nonprofits can save as much as 40% on their annual unemployment costs.

These programs all include fixed annual costs, budgetary certainty, insurance protection and professional claims administration.

By making this switch, nonprofits can save as much as 40% on their annual unemployment costs.

These programs all include

  • Fixed annual costs
  • Budgetary certainty
  • Insurance protection
  • Professional claims administration.

Eligible 501c3 Nonprofit Organizations

  • Social service organizations
  • Child and family services
  • YMCAs & YWCAs/Boys & Girls Clubs
  • Goodwill Industries
  • Community action agencies
  • ARCs
  • Domestic violence and homeless shelters
  • Assisted living centers
  • Vocational guidance and training centers
  • Educational service organizations
  • Charter and private schools
  • Colleges and universities
  • Charitable foundations
  • Healthcare agencies and hospitals
  • Mental health and behavioral services
  • Religious charities and service organizations
  • Native American Indian tribal organizations and casinos
  • Governmental sector entities
  • Cities and counties
  • Towns, townships and villages
  • Public school districts and education service districts
  • General improvements or police/fire protection districts

We offer free quotes on insurance so you can get the best rate. Want to see how much we can save you? Just request a quote.

Call or e-mail us for more information

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