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Charity First: Specialty Insurance for Nonprofits and Social Service Agencies

At Charity First, we are committed to helping you place coverage for your nonprofit clients. Our mission is to provide coverages tailored to meet the unique needs of this market segment. What makes us different is that we specialize in this unique niche and its individual classes. We offer specialty insurance solutions for everything from community action agencies, counseling centers, and group homes to the Boys & Girls Clubs, performing arts groups, vocational/adult schools, YMCAs/YWCAs, and much more. Our program is available nationwide (except Hawaii) on admitted, A.M. Best rated A+ XV paper.

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Coverage Highlights

General Liability
  • GL Limits up to $1 Million Occurrence/$3 Million Aggregate
  • Sexual Abuse/Molestation – separate limits up to $1 Million Occurrence/$2 Million Aggregate
  • Social Services Professional Liability – separate limits up to $1 Million Occurrence/$3 Million Aggregate
  • Veterinarians Professional Liability
  • Employee Benefits Liability
  • Special Events
  • Exclusive Charity First Broadening Endorsements        
    • Automatic Coverage for most special events          
    • Blanket Additional Insured          
    • $15,000 Property Damage Legal for property belonging to clients, guests, members, and volunteers          
    • Blanket Waiver of Subrogation        
    • And more!
Property
  • Buildings and Personal Property
  • Replacement Cost, Agreed Amount and Blanket Limits Business Income and Extra Expense
  • Exclusive Charity First Property Enhancement Endorsement        
    • Building Limit -  Ordinance or Law Coverage A
    • $500,000 Ordinance or Law Coverage B & C  
    • $250,000 Accounts Receivables & Valuable Records          
    • $100,000 Extra Expense
    • $100,000 Fine Arts          
    • $50,000 EDP
    • $50,000 Sewer or Drain Back-Up
    • $25,000 Money & Securities
    • And more!
  • Building Ordinance
  • Systems Breakdown and Boiler Coverage
Inland Marine
  • Electronic Data Processing
  • Cameras, Videos and Sound Equipment
  • Miscellaneous Equipment
  • Commercial Fine Arts
Crime
  • Employee Theft
  • Forgery or Alteration
  • Inside Premises Theft of Money and Securities
  • Outside Premises Robbery (Burglary)
  • Computer Fraud
  • Fiduciary Liability
Automobile
  • Limits up to $1 Million
  • Liability Covering “any auto”
  • Hired and Non-Owned Auto
  • Medical Payments
  • Additional Coverage for Employees and Volunteers
Umbrella
  • Limits up to $5 Million
Workers’ Compensation
  • Statutory Limits
In addition, we offer the following program enhancements:

Coverage Highlights

  • D&O/EPL available with separate limits for D&O, EPL, and GL claims
  • Defense Outside the Limit of Liability on all claims
  • Optional Special Events/Liquor Liability Coverage available
  • Mental Anguish and Emotional Distress included in the GL definition of Bodily Injury
  • Automatic Coverage for Volunteers
  • 3-year Policy Available

Available Limits

Directors and Officers
  • Up to $5 Million for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O limit)
Businessowner’s (BOP) Policy
  • General Liability $1 Million Occurrence/$2 Million Aggregate
  • Property Coverage – Special Form
    • Up to $500,000 non-coastal and Protection Class 1-6
    • Up to $200,000 in Protection Class 7-10
    • Up to $250,000 coastal areas (subject to coastal guidelines)
Special Events/Liquor Liability
  • General Liability Policy Limits

Coverage Highlights

  • Separate limits of Liability for D&O and EPL claims
  • Defense Outside the Limit of Liability on all claims
  • Third Party Sexual Harassment and Third Party discrimination coverage
  • Unlimited Extended Reporting Period for former Directors and Officers (occurrence feature for former D&Os)
  • Automatic Coverage for Volunteers
  • 3-year Policy Available

Available Limits

Directors and Officers
  • Up to $5 Million for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O limit)

Coverage Highlights

Program Features
  • Wide range of premium sizes. Accounts range from our minimum premium of $2K to $900K
  • No ex mod restrictions
  • No broker fees
  • Flexible billing - installment plans available
  • Superior customer service
  • Excellent claims handling by Travelers
  • Risk Control services provided through Travelers, not independent vendors
Target Classes
  • Adoption Agencies
  • Advocacy Organizations
  • Schools
  • Clinics
  • Drug Rehabilitation
  • Counseling Organizations
  • Food Banks
  • Museums
  • Organizations for Developmentally Disabled
  • Domestic Violence Shelters
  • Fraternal Orders
  • Social Service Agencies
  • Thrift Stores
Available States

We currently write in all states except Hawaii.

Ineligible exposures
  • New Ventures or Risks without prior WC coverage
  • Assisted Living
  • Home Health Care
  • Hospice
  • Convalescent Homes
  • Skilled Nursing
  • YMCA’s
  • Theaters
  • Transportation/Livery Nonprofits

Pay As You Go Plan

Plan Features
  • No Down Payment
  • Real-time Workers Compensation premiums based on reported payrolls
  • Improved cash flow
  • Automatic payment deductions
  • Reduced audit exposure due to real-time premium calculations
Submission Requirements
  • At least 1 full time employee
  • Acord Application
  • 4 years currently valued loss runs
  • Copy of ex mod worksheet
  • Completed supplemental

     

Typical Classes Include

  • Art Galleries
  • Boys and Girls Clubs
  • Chambers of Commerce
  • Clubs – Social/Civic/Service/Fraternal
  • Community Centers
  • Counseling Centers
  • Organizations for Developmentally Disabled Persons
  • Emergency Shelters
  • Food Banks/Distribution Programs
  • Foundations
  • Group Homes
  • Job Training Programs
  • Monasteries/Convents
  • Museums
  • Performing Arts Groups
  • Preschool – 12
  • SPCAs (Animal Shelter/Humane Society)
  • Sheltered Workshops
  • Social Service Agencies
  • Symphony/Orchestra Organizations
  • Theatre Groups
  • Thrift Store Operations
  • Vocational/Adult Schools
  • YMCAs
  • And many more

Note: If your risk does not fall into one of the categories above, please contact our office to determine whether or not we have a market available for coverage. The above is a general guideline.

Our Submission Requirements are as follows:

  • ACORD Applications (specialty applications in some instances, click on appropriate link below for additional information)
  • Supplemental Applications – as applicable to each account
  • Narrative description of operations
  • 4-Year currently valued loss runs
  • If requesting Workers Compensation: Ex-Mod Worksheet if available
  • If available: the website address and/or the organization's brochures

Program Supplemental Applications/Questionnaires

Business Owners Policy (BOP) Program

As an alternative to our comprehensive package product, we also offer a Business Owners Policy (BOP) for those less complicated risks. For more product information, please visit our Products section.

Special Note: Our BOP policy is currently available only in the following states: AZ, AR, CA, CO, DE, DC, GA, ID, IL, IN, IA, KY, MD, MI, MN, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WY

Put Our Experience in Nonprofits to Work for You

We have written thousands of nonprofits, social service and human service agencies, and understand the unique and complex risks that come with the incredible work these organizations do. Integral to the social fabric of our communities, these organizations work with the elderly, children, and other vulnerable populations, opening them up to a number of exposures.  From slips and falls that a nonprofit faces daily with the various individuals they serve and care for, to allegations of sexual abuse and molestation charges that hit even the best organizations, Charity First provides a robust, sound insurance package policy that addresses these and many other risks.

Our program also includes special events coverage, which is typically required as many nonprofits supplement their federal and state funding with private fundraisers, fairs, parties, and other gatherings.

Our comprehensive package policy includes Property and Inland Marine insurance, Crime, Automobile, and Workers Compensation insurance. We also offer additional enhancements that include International coverage, Accident & Health insurance for volunteers, and management liability insurance, including Directors & Officers Liability (D&O) and Employment Practices Liability Insurance (EPLI).

Charity First: Your first resource when it comes to insuring nonprofits.

Learn more about how we support nonprofit and social service clients with a comprehensive insurance program. Please call us at 800-352-2761.

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