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State Availability

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State Availability

Coverage available for nonprofit organizations.

Coverage not currently available for nonprofit organizations.

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Property Coverage

Buildings and Other Structures

We cover the things that help keep you doing your good work.

Buildings As stated

Provides replacement cost coverage for your buildings (including stained glass windows and fixtures), such as houses of worship, offices, and other structures supporting your organization.

Extra Expense 12 months

Provides coverage for extra expenses incurred to restore your operations as a result of damage to a covered premises from a covered cause of loss.

Newly Constructed or Acquired Buildings $250,000 (if Buildings coverage selected on policy)

Provides coverage for buildings newly constructed or which have been newly acquired and are located on the described premises.

Debris Removal Up to 25% of loss plus $25,000

Provides coverage for expenses of removing debris from damage to covered property from a covered cause of loss.

Outdoor Property $2,500

Coverage for outdoor fences, radio and television antennas, trees, shrubs and plants from damage due to specifically stated causes of loss.

Lock Replacement $500

Provides coverage for the cost of replacing locks when your keys are stolen.

Business Personal Property

We know that your organization is more than just a building, which is why our policy covers your personal property, too.

Business Personal Property As stated

Provides coverage for the property you own that is used to operate and maintain your organization.

Loss of Business Income 12 months

Provides coverage for loss of income as a result of damage to a covered premises from a covered cause of loss.

Newly Acquired Business Personal Property $100,000 (if BPP coverage selected on policy)

Provides coverage for newly acquired business personal property when business personal property coverage is part of the policy.

Accounts Receivable $10,000 on-premises, $5,000 off premises

Provides coverage for uncollectible amounts due to direct physical loss or damage to your accounts receivable records from a covered cause of loss.

Valuable Papers and Records $10,000 on-premises, $5,000 off premises

Extends business personal property coverage to apply to direct physical loss to valuable papers or records due to a covered cause of loss.

Business Income from Dependent Properties $5,000

Provides coverage for actual loss of business income incurred due to a covered cause of loss at the premises of a dependent property.

Forgery and Alteration $2,500

Provides coverage for loss resulting directly from forgery or alteration of any check, draft, promissory note, bill of exchange or written promise of payment for which you issued or by which someone impersonates you.

Personal Effects $5,000

Extends business personal property coverage to apply to your personal effects while on a described premises.

Money Orders and Counterfeit Money $1,000

Provides coverage for loss resulting from accepting counterfeit money in good faith.

Personal Property Off-Premises $25,000

Provides coverage for property other than money, securities, accounts receivable or valuable papers and records while in the course of transit.

Additional Included Coverages

Because our policy was built with you in mind, a number of additional coverages are included at no additional cost.

Emergency Meeting Space $25,000

Provides coverage for expenses incurred to rent a temporary meeting space when your primary office space is unavailable due to a covered cause of loss.

Fundraising Event - Power Outage $25,000

Provides coverage for expenses incurred when cancelling a fundraising event due to a local power outage.

Image Restoration Services $50,000

Provides coverage for expenses incurred to restore your image following a covered incident involving allegations of an improper sexual act committed by one of your officers or employees.

Political Unrest Evacuation Expense $5,000 per employee $25,000 policy limit

Provides coverage for expenses incurred to evacuate your employees or volunteers from a stable foreign country due to political unrest.

Real Estate Consultant Expense $50,000

Provides coverage for expenses incurred to hire a real estate consultant to assist you in relocating following a covered cause of loss to your primary building.

Terrorism Travel Expense $50,000

Provides coverage for additional emergency travel expenses incurred by your directors or officers due to certified acts of terrorism.

Travel Delay Expense $1,500

Provides coverage for expenses incurred by your directors or officers due to a trip cancellation by a common carrier. A waiting period deductible applies to this coverage.

Identity Theft $15,000 expense reimbursement, 12 months case management

Provides case management services and expense reimbursement incurred as a direct result of identity theft.

Electronic Data $10,000

Provides coverage to replace or restore certain types of electronic data that has been destroyed or corrupted by a covered cause of loss.

Interruption of Computer Operations $10,000

Provides coverage for business income and extra expense for loss sustained due to a suspension of operations resulting from corruption of certain electronic data from a covered cause of loss.

Pollution Cleanup $10,000

Provides coverage for expenses associated with extracting pollutants from land or water if caused by or resulting from a covered cause of loss.

Ordinance or Law $10,000

Provides increased coverage for additional loss incurred based upon requirements to conform to current building laws or ordinances.

Fire Extinguisher Recharge $5,000

Provides coverage for expenses incurred to recharge a fire extinguisher damaged or used during a covered cause of loss.

Water Back Up of Sewers or Drains $5,000

Provides coverage for damage that results from backup of water or sewage from sewers and drains.  Higher limits available as add-on coverages.

Add-On Coverages

Further customize your policy to include higher coverage amounts or add-on coverage specific to your needs.

Money and Securities

Provides coverage for money and securities as a result of theft, disappearance or destruction while on an insured premises.

Employee Dishonesty

Provides coverage for dishonest or fraudulent acts committed by employees.

Outdoor Signs

Provides coverage for signs that are not attached to your building.

Inland Marine

Provides coverage for specifically described items that may not always be kept on your premises.

Key Person Replacement Cost Coverage

Provides coverage for expenses incurred which are necessary for replacing a named individual due to their loss of life.

Food Contamination

Provides coverage for certain expenses and loss of business income due to the described residence being ordered closed by a governmental authority due to discovery or suspicion of food contamination.

Liability Coverage

General Liability

Provides coverage for your organization, employees and volunteers against claims of negligence.

Business Liability As selected

Coverage limit includes all third-party losses for bodily injury, property damage, as well as personal and advertising injury.

Damage to Premises Rented to You $50,000

Provides coverage for damages incurred from a covered cause of loss to premises from which you rent.

Additional Included Coverages

Because our policy was built with you in mind, a number of additional coverages are included at no additional cost.

Cyber Liability $50,000

Provides coverage for damages and claims made against loss of data or a security breach due to a computer virus or malicious attack enacted upon covered computer systems.

Catastrophic Event $50,000 per person / $300,000 per incident

Provides coverage for medical and counseling services resulting from an intentional criminal act affecting two or more people.

Incidental Liquor Liability Included

Provides liability coverage when permitting consumption of alcoholic beverages on your premises.

Non-Owned Watercraft Liability (boats under 51 ft and not for hire) Included

Provides liability coverage for operation of a boat that you do not own, that is not being used to carry people for a charge.

Add-On Coverages

Further customize your policy to include higher coverage amounts or add-on coverage specific to your needs.

Abuse and Molestation Liability

Provides liability and medical coverage for bodily injury which occurs as a result of abuse or molestation.

Professional Liability

Provides coverage for actual or alleged negligent acts and rendering or failing to render professional services.

Hired, Non-Owned & Rented Auto Liability

Provides liability, medical and physical damage coverage for borrowed, hired or rented autos not owned by an insured.

Employment Practices Liability

Provides coverage for claims against unfair employment practices.

Worldwide Liability

Extends the coverage territory for bodily injury and medical expenses to apply while anywhere in the world.

Expanded Legal Defense

Provides coverage for defense costs incurred as a result of an eligible “suit” proceeding in a court of proper jurisdiction.

Employee Benefits Liability

Provides coverage for actual or alleged negligent acts and issues related to employee benefits, including health insurance, vision care and/or retirement plans.

Discounts

Discounts Available:

Early Shopper
Full pay
Claim free
Sprinkler system
Nonprofit
Account tenure
Newer building
Newer roof