NONPROFIT ORGANIZATIONS

Waterloo Insurance understands the unique risks nonprofit organizations face and provides target­ed coverages to meet the needs of the nonprofit community. No other insurance agency brings the dedication and expertise we have to nonprofits.

 

At Waterloo Insurance, we deliver an unbeat­able combination of sound coverage, stable pricing and exceptional service. It pays to work with people who fully understand non­profit businesses.

 

Coverage and Services

• Property and Liability

• Auto

• Umbrella

• Workers’ Compensation

• D&O

• Unemployment Insurance

• Cyber Liability

 

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 & Counseling Liability

• Incidental and Vicarious Medical Liability

• Special Event Liability – Standard limit is $1 million with higher limits available

• Directors & Officers Liability – Standard limit is $1 million with higher limits available

*Defense outside the limit of liability

 

Preferred Organizations

• Arts & Culture – Cultural and ethnic awareness groups, performing arts schools, art education, theatre, singing and choral groups

• Group Housing – Housing for the mentally and develop­mentally disabled, homeless shelters, transitional housing and family violence shelters

• Youth Services – Boys & girls clubs, girl scouts, youth development programs, youth centers and community service clubs

• Human Services – Family services, child day care, YWCAs, emergency services, senior centers and hospices

• Education – Preschools, charter schools and private elementary, secondary and post-secondary schools

• Mental Health/Crisis Inter­vention – Outpatient or resi­dential counseling for disor­ders and addictions including treatment and rehabilitation

• Food and Nutrition – Food banks, food pantries, meals on wheels, congregate meals and nutrition programs

• Recreation – Parks, recreational camps, clubs and parks, Special Olympics and community recre­ation centers

• Religious Organizations and Institutions

 

Submission Requirements

• Waterloo supplemental ap­plications

• Audited year-end financial statement (or Form 990 if the organization does not have a year-end statement)

• Brochures, promotional mate­rial describing programs and services offered and copies of all relevant contracts

• Loss history for the last 5 years

• Schedule of drivers and vehicles, including VINs and seating capacity