Risk Eligibility

  • Religious organizations of all faiths and denominations and that rent or own their premises
  • Up to 20,000 square feet
  • Five hundred active members or fewer
  • New ventures are eligible

Contact an Underwriter at 877-742-9875

SUBJECT TO UNDERWRITING REVIEW

  • Child care center/preschool
  • Social service exposures, including but not limited to food banks, soup kitchens and thrift stores
  • Up to two losses or claims per coverage line in the last three years

AVAILABLE LIMITS

  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
    • Pastoral professional up to $1,000,000/$1,000,000
    • Abuse and molestation of $100,000/$300,000
  • Property values up to:
    • $3,000,000 in non-coastal zones (protection class 1-8)
    • $250,000 in non-coastal zones (protection class 9-10)
    • $500,000 in coastal zones (wind and hail restrictions apply)
  • Nonprofit directors & officers liability and employment practices liability limits up to $5,000,000

DEDUCTIBLE/RETENTIONS

  • General liability – $0
  • Property – $500
  • Nonprofit directors & officers liability and employment practices liability starting at $0

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

  • Prison or health care ministry
  • International mission trips
  • Schools – kindergarten or higher (Sunday school and child care centers are acceptable)
  • Retreat centers
  • Construction services provided
  • Prior or current sexual or physical abuse claims or incidents
  • Located in AK, LA or WV

NOTE: Many classes may still be eligible for our Nonprofit Directors & Officers Liability/Employment Practices product.

Ineligible risk characteristics include, but are not limited to those listed above.

CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION