Alliance Member Services (Nonprofits Insurance Alliance)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Carrier / structure: - Alliance Member Services (AMS) is the service/brand entity for Nonprofits Insurance Alliance (NIA), a group of nonprofit P&C carriers writing liability and property for 501(c)(3) organizations only. All guidance below is for 501(c)(3) nonprofits written through NIA. ([businesswire.com](https://www.businesswire.com/news/home/20201202005831/en/Insurer-Offers-Communicable-Disease-Coverage-for-Nonprofits?utm_source=openai)) Preferred / target business: - Federally tax‑exempt 501(c)(3) nonprofits of all sizes that provide charitable, educational, social service, arts/culture, environmental, advocacy, community service, and similar missions. - NIA emphasizes that it insures a wide variety of nonprofit classes, including many that are typically hard to place, and requires Commercial General Liability as the base policy before adding other lines such as property, auto, umbrella, etc. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/)) - New ventures are acceptable if they have applied for 501(c)(3) status and can provide evidence of IRS application and fee payment; 501(c)(3) determination must be obtained within one year of binding coverage. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/)) Fundamental eligibility / declined classes: - Must be a 501(c)(3) nonprofit. NIA explicitly cannot insure nonprofits that are not 501(c)(3) (e.g., 501(c)(4), 501(c)(6) such as cemeteries, funeral homes, HOAs/condo associations, political groups, unions, chambers of commerce, trade associations). ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/)) - Explicitly ineligible classes (declined risks): - Athletic leagues and competitive travel teams. - Boy Scouts / Girl Scouts troops. - Campgrounds and retreat centers for property coverage. - Chambers of commerce, trade associations, homeowners’ associations. - Churches, synagogues, temples, or organizations whose primary purpose is to promote specific religious teachings or beliefs. - Detox facilities, methadone clinics. - Lockdown/detainment facilities or any facility whose primary purpose is to hold people against their will. - Fraternities and sororities. - Many medical/healthcare providers: ambulance services, birth centers, blood banks, EMS/first aid squads, hospitals, medical marijuana dispensaries, non‑ambulatory/nursing care facilities (hospice is an exception), and physicians. - Mountain bike or motocross groups. - Nonprofit developers that build with the intent to sell. - Nonprofits whose primary purpose is to take a position on abortion or pro‑life. - Private schools that do not serve an underprivileged student body. - Saddle‑animal operations where equine/animal activities are the primary focus or animals are offered for hire. - Zoos. - Possible exceptions: NIA can consider 501(c)(3) organizations that are merely affiliated with declined‑class entities (for example, a food bank or thrift store connected to a church, or a foundation that supports a zoo), subject to normal underwriting review. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/)) Geographic appetite / property availability: - NIA writes nonprofit business in 32 states plus Washington, DC, and is registered for liability in all 50 states. - Property is not available in 18 states; they note that liability may still be available in those states but with no companion property coverage. Brokers should verify state eligibility and property availability via the NIA broker tools/state list before marketing property or package solutions. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/)) Coverage structure and key product notes (operational for underwriting/placement): - Commercial General Liability is mandatory if the insured wants any other line from NIA (property, auto, umbrella, etc.). GL responds to BI/PD and personal/advertising injury, with liquor liability automatically included at no extra charge. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/)) - Businessowners Property: modified BOP‑style form for owned/leased buildings and contents; includes business income and extra expense. Position as the primary property option in states where companion property is available. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/)) - Umbrella Liability: provides excess limits over GL/Auto and other scheduled underlying coverages for nonprofits with higher limit needs. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/)) - Additional specialty lines commonly packaged with GL and property include Improper Sexual Conduct and Physical Abuse Liability, Social Service Professional Liability, Board & Executive (D&O/Fiduciary/EPLI), Commercial Auto, and Volunteer/Participant Accident. Most accounts will be written as a multi‑line package centered on GL. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/)) Submission and broker requirements: - Only appointed independent brokers can submit business. New brokers must complete the “Become an NIA‑Appointed Broker” process before submitting 501(c)(3) accounts. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/)) - All day‑to‑day submissions, quoting, status checks, policy changes, and renewals are expected to be transacted via the secure NIA Broker Portal (EDI/online workflows). ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/)) - For new ventures, broker must upload the IRS 501(c)(3) application and proof of IRS filing fee payment; underwriters will require confirmed 501(c)(3) status within 12 months of policy inception or coverage may need to be reevaluated. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/)) - For accounts with open claims (excluding open Commercial Auto claims), NIA requires a completed Claims Supplemental Application (#11). Underwriters may also require this form for large closed claims or professional/abuse claims at their discretion. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/)) - NIA’s Broker FAQ and Broker Portal Guide (linked from the Working With NIA page) provide detailed process instructions; brokers are expected to use these tools for up‑to‑date workflow, documentation, and minimum premium information by line. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/)) Broker / producer operational notes: - NIA positions itself as a long‑term, nonprofit‑focused carrier with an industry‑leading 94% renewal rate and strong reinsurer panel; brokers should expect stable underwriting and emphasis on risk management rather than aggressive short‑term pricing. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/)) - NIA works only with brokers that are comfortable focusing on 501(c)(3) risks; business outside of 501(c)(3) scope or in declined classes should not be submitted. - All nonprofits insured by NIA receive extensive risk management services (consulting, training, software, and publications) at no or subsidized cost; producers can use these services as a value‑add when marketing to target nonprofits and when addressing loss‑control concerns from underwriting. ([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/)) Practical placement guidance (for Commercial Property, Umbrella, and Package): - Treat NIA as a specialist market for 501(c)(3) package solutions where GL is primary and property/auto/umbrella are added where eligible by state. - Pre‑screen every account for: (1) 501(c)(3) status or active application, (2) operations not falling into the explicit declined classes above, and (3) location in a state where both liability and, if needed, property are available. - For property‑driven risks (e.g., nonprofits with significant owned real estate), verify that the state is one of the 32+DC where property is available; otherwise, plan a split‑carrier solution with NIA for liability only. - For higher‑hazard social services (abuse exposure, counseling/professional services, board governance risk), plan a multi‑line package using GL + Improper Sexual Conduct & Physical Abuse + Social Service Professional + Board & Executive + Umbrella where limits warrant, and be prepared for closer underwriting review of prior claims and risk‑management practices. - Expect underwriters to focus on mission, clientele served (e.g., vulnerable populations), use of volunteers, transportation exposures, property age/condition, and governance/risk‑management practices when evaluating terms and limits.