Alliance Member Services (Nonprofits Insurance Alliance)
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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
Alliance Member Services administers Nonprofits Insurance Alliance, which publishes an underwriting appetite focused exclusively on federally tax-exempt 501(c)(3) nonprofit organizations, subject to underwriting review. The carrier states it writes 100+ nonprofit classifications and is designed for mission-driven social-sector risks rather than standard commercial accounts. Preferred business includes a broad range of 501(c)(3) organizations, including many harder-to-place nonprofit classes, with fit determined by actual operations, oversight, claims history, geography, and overall risk profile. Ineligible or restricted business expressly called out includes non-501(c)(3) entities such as 501(c)(4) and 501(c)(6) organizations, cemeteries, funeral homes, homeowners or condo associations, political action committees or groups, unions, chambers of commerce, trade associations, athletic leagues, competitive travel teams, and Boy Scouts/Girl Scouts troops. Campgrounds and retreats are partially restricted: property is ineligible, while liability may be considered. Geographic availability is currently 32 states plus Washington, DC; NIA says it is registered to write liability in all 50 states, but companion property coverage is unavailable in 18 states, so property placement is state-dependent. The published submission model requires business to come through licensed brokers, and NIA works with selected independent brokers; non-insureds/nonprofits cannot apply direct. Required base coverage is Commercial General Liability. For submissions, NIA prefers its online application for most 501(c)(3) nonprofits; Quick Submit is available for brokers with completed applications, but not for adding a line to an existing account or for renewals. Separate/manual applications are required when the nonprofit is a CASA, has six or more locations, is a foster family agency, has multiple chapters, is a fiscal sponsor, or is an existing member adding a new line. Submission requirements published on the broker page include a nonprofit contact name and email, FEIN, four years of currently valued loss runs, applicable ACORDs, and any supplemental/specialty applications; incomplete forms will delay review. Line-of-business instructions shown include CGL using ACORD 125 and 126 with a $1M/$1M base limit, umbrella using ACORD 131 with a $1M base limit, property using ACORD 140 with limits based on exposure, and inland marine using ACORD 146 with limits based on exposure. Brokers are instructed to send new and renewal submissions to submissions@insurancefornonprofits.org, endorsements/change requests to uwservices@insurancefornonprofits.org, and questions to brokerservices@insuranceforprofits.org? No verified typo-safe source supports that alternate spelling, so the official page lists brokerservices@insurancefornonprofits.org. The carrier asks brokers not to email underwriters directly, to include a need-by date, and says best service is achieved when complete submissions arrive at least 30 days before expiration; until all requested information is received, NIA cannot reserve the account for the office.