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) administers Nonprofits Insurance Alliance (NIA) group companies; underwriting is exclusively for 501(c)(3) nonprofit organizations.([insurancefornonprofits.org](https://insurancefornonprofits.org/?utm_source=openai)) Preferred / target business: - Only federally tax‑exempt 501(c)(3) organizations (must have or be actively applying for IRS 501(c)(3) status; new ventures acceptable with proof of filed IRS application and proof of payment; 501(c)(3) status required within one year of binding).([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Broad appetite for community‑based, educational, social service, arts/culture, environmental, animal welfare, and other charitable nonprofits; NIA positions itself to write many classes brokers find hard to place, provided they meet 501(c)(3) and operations standards.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) Declined / ineligible risks (even if nonprofit): - Any nonprofit that is NOT a 501(c)(3) (e.g., 501(c)(4), 501(c)(6) and similar): cemeteries, funeral homes, homeowners/condo associations, political action groups, unions, chambers, trade associations, HOAs.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Competitive or high‑hazard sports/rec: athletic leagues and competitive travel teams; mountain bike/motocross groups; saddle‑animal organizations where animals are primary focus or for‑hire; zoos.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Religious entities whose primary purpose is specific religious teaching: churches, synagogues, temples, or organizations primarily promoting a specific religion or person.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Camps/retreats: campgrounds and retreats are ineligible for property coverage; liability may be limited and is subject to underwriting.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Detention/high‑custody operations: lockdown or detainment facilities or facilities whose primary purpose is to hold people against their will.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Medical/healthcare: ambulance services, birth centers, blood banks, EMS/first‑aid squads, hospitals, medical marijuana dispensaries, non‑ambulatory/nursing care facilities (hospice is an exception), physicians.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Fraternities/sororities. - Nonprofit developers that build with intent to sell. - Nonprofits whose primary purpose is to take a position on abortion or pro‑life (advocacy on either side is declined).([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Private schools that do not primarily serve an underprivileged student body.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) Possible exceptions / affiliated orgs: - NIA can consider 501(c)(3) nonprofits that are only affiliated with otherwise‑ineligible organizations (e.g., food banks/thrift stores affiliated with churches; foundations supporting zoos; supporting foundations). These must themselves be 501(c)(3) and are subject to individual underwriting review.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) Geographic appetite and limits: - NIA actively insures 25,000+ nonprofits across 32 states plus DC; it is registered to write liability in all 50 states.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - No companion property coverage is available in 18 states (liability only in those jurisdictions); brokers should confirm property availability by state before marketing property or package placements.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) Coverage / product notes: - CGL is required if purchasing any other coverage (all other lines are written around the GL).([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Available lines include: Commercial General Liability (with liquor included at no extra charge); Umbrella Liability; Social Service Professional Liability; Improper Sexual Conduct & Physical Abuse; Board & Executive (D&O, EPLI, Fiduciary); Commercial Auto (liability and physical damage; fleets of all sizes; employee and volunteer drivers; can include hired/non‑owned for personal vehicles used on nonprofit business); Businessowners Property with business income/extra expense; Crime; Volunteer/Participant Accident.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) Submission requirements / process (broker‑facing): - NIA is a broker‑distributed program; all submissions must come through licensed independent brokers who are appointed with NIA. Brokers must first “Become an NIA‑Appointed Broker” prior to placing business.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Business must be 501(c)(3) (or actively applying) and located in a state where NIA is writing for the requested lines. - Applications and supporting documents are submitted via the secure Broker Portal (24/7 portal access for applications, status, and policy/claims information).([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - For new ventures, brokers must submit proof of completed 501(c)(3) application filed with the IRS and proof of payment; coverage can be issued subject to securing exemption within one year.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Turnaround: once a complete application is received through a broker, typical quoting time is about seven days or more; complex risks may take longer.([insurancefornonprofits.org](https://insurancefornonprofits.org/?utm_source=openai)) - NIA underwriters select and verify class codes, rating basis, and apply credits/debits to achieve sustainable pricing, and may order inspections to validate exposure and risk quality. Brokers should expect occasional inspection‑driven underwriting changes.([mediabistro.com](https://www.mediabistro.com/jobs/2997784104-associate-underwriter?utm_source=openai)) Broker / producer notes: - NIA works only with selected independent brokers that focus on 501(c)(3) nonprofits; it emphasizes long‑term relationships, service, and underwriting stability for charitable organizations.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Competitive commissions are paid even though the program uses risk‑retention groups for portions of the business.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - High retention (about 94%) with automatic renewals; brokers should anticipate high renewal persistency for placed accounts.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/?utm_source=openai)) - Dedicated Broker Services Team supports appointed brokers with underwriting coordination, appetite questions, and training. Training covers appetite, submission requirements, underwriting service standards, claims approach, and value‑added risk management services.([insurancefornonprofits.org](https://insurancefornonprofits.org/brokers/working-with-nia/your-broker-services-team/?utm_source=openai)) - Brokers must use NIA’s CGL as the primary liability placement for accounts they write with NIA, since all other coverages hinge on the GL program. Operational guidance for placement: - Screen accounts first for 501(c)(3) status (or active application) and confirm operations are not within the published ineligible list. - Confirm state‑level availability of property before marketing package/BOP; where property is unavailable, limit proposals to liability/umbrella and management/professional lines. - Expect that NIA will scrutinize high‑hazard activities involving residential facilities, medical services, physical abuse exposure, transportation of clients, and camps/retreats; provide detailed supplemental information for these exposures at submission. - Direct any gray‑area or affiliated‑organization classes (e.g., programs tied to churches or zoos) to your NIA Broker Services contact for pre‑clearance before full marketing.