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
Alliance Member Services (AMS) administers Nonprofits Insurance Alliance (NIA), which writes insurance exclusively for federally tax-exempt 501(c)(3) nonprofit organizations. Current published appetite is broad within the nonprofit sector: NIA states it insures 100+ nonprofit classifications and is a fit for many mission-driven organizations serving youth, communities, arts, education, and social services. Coverage is available only through licensed/selected independent brokers, and Commercial General Liability is the required base coverage if any other NIA coverages are purchased. NIA currently serves 32 states plus DC: AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IA, KS, MD, MI, MN, MO, NE, NV, NJ, NY, NC, ND, OH, OR, PA, SD, TX, UT, VT, VA, WA, and WI. NIA notes it is registered to write liability in all 50 states, but companion property is not available in 18 states, so property eligibility is more limited by state/product structure. Published declines/restrictions include non-501(c)(3) organizations such as 501(c)(4) and 501(c)(6) entities; examples listed include cemeteries, funeral homes, homeowners/condo associations, political action committees/groups, unions, chambers of commerce, and trade associations. Also listed as ineligible or restricted are athletic leagues and competitive travel teams; Boy Scouts/Girl Scouts troops; detox facilities/methadone clinics; firearms exposures including gun ranges, firearms training, and hunting excursions. Campgrounds and retreats are specifically noted as property ineligible, though liability may be considered. Houses of worship whose primary purpose is promoting the teachings or beliefs of a specific religion or person are also listed as outside appetite. Underwriting is operation-based rather than mission-label-based, and NIA says eligibility can also be affected by claims activity, risk profile, and regulatory considerations. NIA will consider difficult-to-place nonprofit risks when they fit its nonprofit-focused appetite, and it affirmatively writes many startup organizations; for new ventures, the broker must provide the nonprofit’s completed IRS 501(c)(3) application and proof of IRS payment, and the insured must obtain 501(c)(3) status within one year of purchase. Submission guidance is detailed and practical: brokers should use the NIA Online Application for most 501(c)(3) nonprofits; exceptions requiring alternate/manual applications include CASA organizations, nonprofits with six or more locations, foster family agencies, organizations with multiple chapters, fiscal sponsors, and existing NIA members adding a new line. Complete submissions should include four years of currently valued loss runs (if applicable), applicable ACORDs, and required supplemental/specialty applications; incomplete submissions will delay review. For manual submissions, NIA asks for the nonprofit contact name/email and FEIN. Property submissions require ACORD 125, an SOV in Excel format, and five years of currently valued property loss runs even if previously insured through ANI with SRCSE; property limits are based on exposure and NIA says to call the underwriter. Umbrella submission requirements are published as ACORD 131 with a base limit of $1M. NIA asks brokers to include a need-by date and says complete submissions should be received at least 30 days before expiration; NIA will not reserve an account for an office until all requested information is received. Operational broker notes: send new and renewal submissions, and requests to add a new line, to submissions@insurancefornonprofits.org; send endorsements/change requests to uwservices@insurancefornonprofits.org; send general questions to brokerservices@insurancefornonprofits.org. NIA specifically says if a broker emails an underwriter directly, a response cannot be assured. For appointment/producer handling, the published Producer Agreement states brokers have no binding authority, must submit complete information, must maintain $1M E&O with AM Best A- or better, must maintain required licenses, and must provide a completed signed W-9 at execution. The agreement also states NIA will not replace the producer of record until the applicant/insured designates another broker with an active NIA producer agreement, subject to limited exceptions. Quoting guidance published for insureds indicates seven days or more after a complete broker-submitted application, and coverages may vary by state.