Insurance Program Results
Crittenden Insight |
Crittenden Insurance Program Directory™ |
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Nonprofit Organizations D&O Programs |
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Carrier (Administrator) |
Appetite/Distinguishing Characteristics |
Distribution/Access |
Crittenden’s Customer Service Rating |
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Philadelphia Insurance Co. |
Available for higher risk nonprofits of all sizes with a wide range of target classes. Coverages include D&O, employment practices, fiduciary, workplace violence and Internet liability. Third party EPL and personal and advertising injury also available. Limits for select risks up to $15 million. |
Agents and |
5 Stars |
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Great American Ins. Co. |
Sweet spot account features nonprofits with 50 or fewer employees but will write primary coverage for those with up to 1,000 employees. Variety of classes are covered, excluding education, labor unions, country clubs, high profile activist groups and others. Coverages for employed lawyers, prior acts, third-party and personal injury. Limits available up to $10 million for primary and excess coverages. |
Independent Agents |
4 Stars |
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The Hanover Insurance Group |
Available to a wide range of classes including artistic organizations, charitable and religious organizations, and scientific, educational, economic development and literary groups. Coverage includes defense costs, full prior acts, third-party liability, personal injury, spousal coverage and EEOC. Limits available up to $10 million, with deductibles starting at $500 for nonprofit entities. |
Independent Agents and Select Brokers |
4 Stars |
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The Hartford |
Targets nonprofits of all sizes, with eligible classes ranging from alumni associations to zoos. Provides EPL, personal injury, third-party, fiduciary, breach of contract and outside directorship liability coverage. Limits available up to $10 million. Also provides coverage for federal fines and penalties, and entity identity fraud, each with sublimits of $25,000. |
Agents and |
4 Stars |
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Berkshire Hathaway Specialty Insurance |
Prefers nonprofit entities with budgets between $15 million and $2 billion. Currently not targeting education, public officials, political organizations, healthcare providers/hospitals/life science/biotech, or financially distressed companies. Offers EPL, fiduciary, employed lawyers and crime coverage. Limits up to $25 million, with additional limits available for preferred risks. |
Agents and |
5 Stars |
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CNA |
Prefers organizations with more than 25 employees and $1 million in assets. Appetite includes charitable organizations, foundations, professional associations and trade associations. Coverages for D&O, EPL, Fiduciary, crime and kidnap, ransom or extortion. |
Agents and |
5 Stars |
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Travelers Cos. |
Wide range of classes, from various associations to environmental groups, libraries, research foundations and private and nonprofit universities and colleges. Coverages include outside directorship liability, defense expenses, prior acts, personal injury or publisher’s liability, non-entity EPL and spousal liability. |
Agents and |
3 Stars |
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Zurich North America |
Offered to qualified nonprofit entities, excluding financial institutions. Independent coverages include management and entity liability, EPL, third-party discrimination, fiduciary and crime. Additional enhancements available. Limits up to $25 million. |
Surplus Lines |
4 Stars |
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Source: Crittenden Research Inc.™ |
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D&O Liability Nonprofit Management Liability
Administered By: Monitor Liability Managers
Distribution: Carrier Direct
| Industries: |
Directors & Officers (D&O), Nonprofit (Administrators), Nonprofit Organizations |
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Carriers: Admiral Insurance Co., Carolina Casualty Insurance Co.
Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Fiduciary Liability
Limits: up to $5 Million (Separate or combined for each coverage)
Flexi Plus Five
Administered By: Philadelphia Insurance
Distribution: Carrier Direct
| Industries: |
Directors & Officers (D&O), Nonprofit (Administrators), Nonprofit Organizations |
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Carriers: Philadelphia Insurance Co.
Coverage: Cyber Liability, Directors & Officers (D&O), Employment Practices Liability (EPL), Fiduciary Liability, Violent Event Coverage
Limits: up to $15 million
Information Security & Privacy
Administered By: Beazley
Distribution: Direct/Broker
| Industries: |
Financial Institutions, Healthcare Systems, Nonprofit Organizations, Private Companies, Public Companies , Retail |
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Carriers: Beazley Insurance Co. Inc.
Coverage: Cyber Liability, Media Liability, Privacy Liability/Notification Expense, Regulatory Liability
Limits: up to $20 million
Nonprofit Advantage
Administered By: Hanover Insurance Group
Distribution: Carrier Direct
| Industries: |
Nonprofit (Administrators), Nonprofit Organizations |
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Carriers: Hanover Insurance Co.
Coverage: Crime, Cyber Liability, Directors & Officers (D&O), Employment Practices Liability (EPL), Fidelity, Fiduciary Liability, Kidnap, Ransom & Extortion (KRE)
Limits: up to $10 million
Association E&O
Administered By: CapSpecialty
Distribution: MGU
| Industries: |
Nonprofit Organizations |
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Carriers: Capitol Specialty Insurance Corp.
Coverage: Errors & Omissions (E&O), Media Liability
Limits: up to $5 million
Non-Profit Management Liability
Administered By: Protective Specialty Insurance
Distribution: Carrier Direct
| Industries: |
Directors & Officers (D&O), Nonprofit (Administrators), Nonprofit Organizations, Private Companies |
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Carriers: Protective Insurance Co., Protective Specialty Insurance Co.
Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Fiduciary Liability
Limits: $1,000,000 - $5,000,000 (Multiple Liability Shared or separate limits available )
Directors & Officers
Administered By: Kinsale Insurance
Distribution: Carrier Direct
| Industries: |
Adoption/Foster Services & Facilities, Assisted Living Facilities, Auto/Car Dealerships, Behavioral/Mental Health Organizations, Blood/Tissue Banks, Camps (Youth, Sports & Enrichment), Churches/Religious Institutions/Organizations, Colleges & Universities, Community Associations, Crisis Call Centers, Day Care (Child or Adult), Education & Nonprofit, Groups & Clubs, Hospice, Libraries, Medical Clinics/Infirmaries, Mental Health/Behavioral (Counseling/Counselors), Nonprofit Organizations, Private/Charter Schools, Restaurants, Social Services, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Kinsale Insurance Co.
Coverage: Directors & Officers (D&O)
Limits: up to $5 million/$5 million (Primary)
Employment Practices Liability
Administered By: Kinsale Insurance
Distribution: Carrier Direct
| Industries: |
Accountants & Accounting Services, Architects & Engineers (A&E), Art Galleries/Fine Art/Museums/Antique Dealers, Auto Service and Repair, Auto/Car Dealerships, Aviation Risks & Airports, Banks, Brokers/Dealers, Camps (Youth, Sports & Enrichment), Chemical Manufacturers/Distributors, Commercial Auto (Public Transportation), Construction Equipment/Machinery/Materials, Educational Risks (School Administrators), Energy Companies, Film Risks, Gas Stations, Hospitality (Hotels/Motels), Insurance Agents, Insurance Companies, Investment Advisers, Lawyers, Logging/Lumber/Forestry Risks, Manufacturers (Hardware), Manufacturers/Manufacturing Risks, Mine/Mining Risks, Miscellaneous Risks, Museums, Nonprofit Organizations, Real Estate Agent/Broker, Research/Research Organizations (Clinical, Etc.), Restaurants, Retail, Social Services, Utility Companies |
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Carriers: Kinsale Insurance Co.
Coverage: Bodily/Personal Injury, Employment Practices Liability (EPL)
Limits: up to $5 million/$5 million (Primary Limits)
Fiduciary Liability
Administered By: Argo Pro
Distribution: Direct/Broker
| Industries: |
Directors & Officers (D&O), Education & Nonprofit, Emergency Service Organizations , Nonprofit Organizations, Private Companies, Public Entities, School Districts, Schools |
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Carriers: Argo Group US Inc.
Coverage: Directors & Officers (D&O), Excess, Fiduciary Liability, Umbrella/Excess
Limits: Up to - $15 Million
Fiduciary Liability Insurance
Administered By: Euclid Specialty Managers, LLC
Distribution: MGA
| Industries: |
Nonprofit Organizations, Trustees |
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Carriers: Hudson Insurance Co.
Coverage: Fiduciary Liability, Primary and Excess
Limits: Up to - $25 million (Single Policy Limit), Up to - $25 million (on a primary or excess basis)
Labor Professional Liability Insurance
Administered By: Euclid Specialty Managers, LLC
Distribution: MGA
| Industries: |
Nonprofit Organizations |
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Carriers: Hudson Insurance Co.
Coverage: Directors & Officers (D&O), E&O, Employment Practices Liability (EPL), Professional Liability
Limits: up to - $5 million (Primary or Excess Basis)
Non-Profit D&O
Administered By: U.S. Risk
Distribution: MGA
| Industries: |
Directors & Officers (D&O), Nonprofit (Administrators), Nonprofit Organizations |
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Carriers: Western World Insurance Co.
Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL)
Limits: up to $5 million (Shared or Separate)
Participant Accident Insurance (Special Risk)
Administered By: Arch Insurance Group
Distribution: Direct/Broker
| Industries: |
Camps (Youth, Sports & Enrichment), Churches/Religious Institutions/Organizations, Civic Clubs (Nonprofit), Colleges & Universities, Day Care (Child or Adult), Firefighters (Volunteer), Nonprofit Organizations, Schools, Youth Services/Facilities, Youth Sports |
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Carriers: Arch Insurance Co.
Coverage: Accident & Health, Accidental Death & Dismemberment
Limits: - - - (Limits vary by group)
Prize Indemnity Insurance
Administered By: HCC Specialty
Distribution: Direct/Broker
| Industries: |
Athletes & Athletic Organizations, Commercial Real Estate (Retail), Golf Courses/Country Clubs, Nonprofit Organizations |
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Carriers: AIG, HCC, Lloyd's of London
Coverage: Prize Indemnity
Limits: $0 - $10,000,000 (Prize Indemnity Insurance)
Side A DIC
Administered By: Argo Pro
Distribution: Direct/Broker
| Industries: |
Directors & Officers (D&O), Nonprofit Organizations, Private Companies, Public Companies |
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Carriers: Argo Group US Inc.
Coverage: Directors & Officers (D&O), Excess, Umbrella/Excess
Limits: Up to - $15 Million
Commercial Management Liability
Administered By: Endurance
Distribution: Carrier Direct
| Industries: |
Healthcare Systems, Hospitals, Nonprofit Organizations, Private Companies, Public Companies , Utility Companies |
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Carriers: Endurance Specialty Holdings Ltd.
Coverage: Crime, Directors & Officers (D&O), Employment Practices Liability (EPL), Fiduciary Liability, Side A D&O
Limits: up to $25 million (Each line of business)
Financial Institutions: Fidelity and Crime Policy
Administered By: Chubb Ltd. (Formerly ACE Group)
Distribution: Carrier Direct
| Industries: |
Nonprofit Organizations, Private Companies, Public Companies |
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Carriers: ACE Group
Coverage: Crime, Excess, Umbrella/Excess
Limits: up to $25 million
Financial Institutions: Management Protection Liability Policy
Administered By: Chubb Ltd. (Formerly ACE Group)
Distribution: Carrier Direct
| Industries: |
Directors & Officers (D&O), Nonprofit Organizations, Private Companies, Public Companies |
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Carriers: ACE Group
Coverage: Directors & Officers (D&O), Excess, Punitive Damages, Umbrella/Excess
Limits: up to $25 million
Financial Lines
Administered By: ANV Underwriters Financial Lines
Distribution: MGA
| Industries: |
Nonprofit Organizations, Private Companies, Public Companies |
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Carriers: ANV Syndicate 1861
Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Excess, Fiduciary Liability, Umbrella/Excess
Limits: up to $5 million (Separate Limits), up to $5 million (Aggregate for any one coverage/account)
Hiscox CyberClear
Administered By: Hiscox USA
Distribution: Carrier Direct
| Industries: |
Accountants & Accounting Services, Advertising/Printers/Authors, Consultants/Consulting Risks, Education & Nonprofit, Energy Companies, Hospitality (Hotels/Motels), Lawyers, Nonprofit Organizations, Small Businesses, Technology Risks |
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Carriers: Hiscox Insurance Co. Inc.
Coverage: Cyber Liability
Limits: up to $10 million (Across the board, with no standard sub-limits)