420 W US Highway 40
Troy Illinois 62294

Nonprofit Insurance

Special Insurance Programs

We deliver a combination of solid insurance coverage, stable pricing, and exceptional service. We provide the following coverages for the nonprofit organizations 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