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Insurance and Specialty Products for Nonprofit Organizations

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Insurance Coverage and Services
  • Property & Liability
  • Businessowners Policy (BOP)
  • Auto
  • Umbrella
  • Workers’ Compensation
  • D&O
  • Unemployment Insurance
  • Financial Consulting
  • Third Party Administration and Claims Management
Nonprofit Insurance Product Specialty
  • Primary Liability Insurance – Standard limits are $1 million per occurrence for general liability, $1 million per occurrence for sex abuse, $1 million per occurrence for social work, $1 million per occurrence for medical, $3 million policy aggregate
  • Umbrella Policy – Limits up to $10 million above primary liability*
  • Sexual Abuse Liability
  • Social Work, Foster Care and Counseling Liability
  • Incidental and Vicarious Medical Liability
  • Special Event Liability – Standard limit is $1 million with higher limits available
  • Our new comprehensive D&O/EPL/Fiduciary and Network Security and Privacy Liability coverage is available in most states

*Defense outside the limit of liability

Program Management Services

In these uncertain economic times, financial stability is hard to achieve – especially for nonprofit organizations. Through our subsidiary, First Nonprofit Group, AmTrust offers a full array of financial management, accounting and consulting services to help you meet your financial goals, improve overall performance and reduce your costs.

Our team of experts provides functional expertise and experience specific to the nonprofit sector, enabling us to work in collaboration with you and your management team. We are available to support you on a project or retainer basis.

Financial and Operational Consulting Services

Our experienced team of experts will partner with a nonprofit’s board of directors, executive director or management team to achieve the following.

Provide Temporary CFO and/or Finance Department Staff

  • Offer comprehensive solutions for your nonprofit’s finance and accounting needs during transitional periods or special projects
  • Assess departmental needs or provide continuing financial and accounting services
Advance Their Financial Capability
  • Reviewing the effectiveness of a nonprofit’s financial statements
  • Developing timely, useable financial data that requires a nonprofit to react more quickly to budgetary changes and variances
  • Assessing the efficiency of a nonprofit’s accounting systems and related applications, including general ledger interfaces with:
    • accounts receivable
    • pledge receivables
    • accounts payable
    • payroll
    • human resources and benefits

Improve Competency and Practice

  • Coordinate a complete evaluation of a nonprofit’s mission, vision and value statements
  • Conduct a comprehensive board of trustee assessment

Prepare a Comprehensive Plan

  • Meet future service and funding requirements
  • Perform a comprehensive SWOT analysis
  • Provide complete strategic planning and tactical policy that is responsive to changes in client population, legislation and funding

Improve Fundraising and Control Funding Sources

  • Evaluating current fundraising efforts
  • Cultivating comprehensive and long-term fundraising strategies
  • Developing fraud-deterrence strategies and employing fraud prevention audits


TPA and Claims Management 

We also offer integrated claims management and third party administration for self-insurance programs. Our team provides all the essential back-office services needed to run an effective self-insured program.

  • Claims management
  • Underwriting
  • Billing
  • Safety coordination
  • Training
  • Loss control
State Unemployment Insurance

All employers are required to pay for SUI. For-profit employers have only one option to cover their SUI obligations: Pay a tax into the State Unemployment Fund.
501c3 nonprofits and governmental employers can opt to self-insure, also known as reimbursing, and not pay via the tax method. But self-insuring can be risky and challenging to manage.

We provide alternative funding and risk management programs designed uniquely for 501c3 and governmental employers to maximize savings and eliminate the difficulty of self-insuring. By making this switch, nonprofits can save as much as 40% on their annual unemployment costs.

These programs all include fixed annual costs, budgetary certainty, insurance protection and professional claims administration.

Submission Requirements
  • All pertinent ACORD and supplemental applications, we also accept other carriers' applications
  • Audited year-end financial statement (or Form 990 if the organization does not have a year-end statement)
  • Brochures, promotional materials describing programs and services offered and copies of all relevant contracts
  • Loss history for the last  five years
  • Schedule of drivers and vehicles, including VINs and seating capacity
To learn more about what documents are needed for SUI submissions, please click here to open a listing by state.
Video: Alternative Funding for State Unemployment Insurance
Video: Bonded Service Program
Video: Nonprofit Offerings Overview
Video: Unemployment Savings Program

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