CalNonprofits Insurance Services

Property & Casualty

At CalNonprofits Insurance Services, we understand the unique risks faced by nonprofit organizations. Not only do you need Property & Casualty coverage to protect your nonprofit mission, assets, board, and staff; it may also be necessary to comply with the guidelines of your funding sources. Our friendly and knowledgeable staff will help you determine the types of exposures your organization faces and assist you in selecting the coverage that best suits your needs at the lowest possible cost. Call or click to request a consultation today on any of these insurance products.

General Liability

Provides your agency with protection for a wide range of acts or offenses which result in bodily injury, property damage, personal and advertising injury said to be caused by your agency or one of your staff.

Workers’ Compensation

With many workers’ compensation plans to choose from, we help you find the right one for your agency. If your current policy doesn’t challenge questionable claims, offer support for reducing claims, or provide prompt customer service, ask us about a program that does. Contract us for a comprehensive review of your current policy and cost. We’ve helped thousands of nonprofits save money on their insurance premiums!

Property

Commercial Property Insurance helps your nonprofit recover when certain disasters jeopardize your physical assets your organization owns or leases such as buildings, office equipment, and office furniture. Covered events might include fire, windstorms, theft, or vandalism. Many policies also include Business Interruption Insurance. This policy covers up to twelve months of lost income when certain events force your client to put their business operations on hold. For example, if a fire destroys your client’s workplace, Business Interruption Insurance can pay for the ongoing costs of keeping your client’s business afloat when it can’t generate revenue.

Directors & Officers (D&O)Header text

Provides coverage for damages resulting from the wrongful acts of the directors, officers, trustees, and managers as well as for the agency as an entity. Also provides coverage for employment-related actions, including allegations of wrongful termination, harassment, and discrimination. Ask about our exclusive D&O insurance plan which offers enhanced coverage for less money!

Auto

Coverage for bodily injury and property damage caused by employees and volunteers driving personal autos or agency-owned vehicles.

Professional Liability

Coverage for professionals such as mental health workers, counselors, teachers, social workers, publishers, and consultants.

Risk Management

Risk management is essential to lowering all of your insurance premiums. Good loss control programs and practices will help you save money in property insurance, workers’ compensation, and even health insurance costs. We provide our members with expert consultation, technical expertise, and easy-to-use resources.

Cyber Liability

Designed to cover exposures associated with: privacy breach, the infringement of intellectual property, virus transmission, or any other serious trouble that may be spread via the web/email. Cyber Liability also provides cutting edge protection for data breaches related to the loss of laptops, smartphones, tablets, and other computer equipment when stolen by employees or others outside of your organization. Any nonprofit with an online presence, receives donations via the web, network or database is at risk for errors, negligence or cybercrime should consider purchasing this insurance.

Sexual Misconduct

Can also be called Improper Sexual Conduct or Sexual/Physical Abuse/Molestation. Responds to claims of sexual misconduct, abuse, molestation, and physical abuse. These are usually considered intentional acts and those are typically excluded from the General Liability and Professional Liability coverages. This coverage is commonly purchased by group homes, schools, residential treatment centers, counseling centers, mentoring organizations, youth recreation programs, and child care centers.

Employee Benefits Liability (EBL)

Covers specified damages from an organization’s negligent handling of the administration of employee benefits program.

Fidelity/Employee Dishonesty

Provides a source of recovery of funds embezzled by employees or volunteers.

Umbrella Liability

Provides another layer of protection above and beyond the amounts or limits covered by your primary policies. Usually applies to general liability, employer’s liability, and auto policies.

Insurance For Special Events

If you are hosting an event that is excluded from your General Liability policy or you don’t have an annual General Liability policy that includes events – we have a great product for individual event coverage! Special event insurance protects from claims against the event sponsor for bodily injury or property damage.  Proof of insurance can be provided to venues and other interested parties.  We have partnered with CoverSmart by USLI to provide a quick and easy way to purchase insurance for special events online:  Learn more about Special Event Insurance here .

Carrier Partners

AmTrust – 888.239.3909 (Claims), 877.528.7878 (Customer Service)

Berkley Human Services– 800.361.1075 (General), 888-762-3083 (Claims)

Charity First – 800.352.2761

Great American Human Services – 888-317-4828 (Claims), 800-847-4357 (Billing)

Guide One – 800.321.5754

Markel– 800.431.1270

Berkley Select

NIAC (Nonprofits Insurance Alliance of California) – 800.359.6422

Philadelphia Insurance – 800.765.9749

State Compensation Insurance Fund – 888.782.8338

Tangram – 800.676.2213