Workers' Compensation for Not-for-Profits

This program is available for aWorkers' Compensation for Not-for-Profits variety of classes of not-for-profit organizations, including YMCAs, YWCAs, JCCs, Boy and Girl Scout organizations, education/instruction, health, consumer protection, employment, food, housing daycare and philanthropy, among others. Our target premium is $25,000.

children in gym

Business owners: Contact your insurance agent or broker

Insurance agents

Call a specialist now 866-923-0183

Appetite

  • Zurich’s Program Administrator offers expedient rating, quoting and binding of Workers' Compensation on a guaranteed cost basis focusing on not-for-profits in the targeted classes of business listed below
  • We monitor state-by-state Workers' Compensation market conditions carefully, and not-for-profits in under-performing states must have best-in-class historic experience to qualify
     

Geography

  • Nationwide except Delaware, Massachusetts, New York, Oregon and Rhode Island

Coverages offered

  • Workers' Compensation

Submission requirements

  • Completed ACORD forms
  • Five years of loss runs
  • Experience modification worksheet
  • Supplemental application to be provided by Program Administrator

Admitted or non-admitted paper

  • Admitted
  • YMCA, YWCA, JCC
  • Boy and Girl Scout Organizations
  • Education/instruction and related — formal and informal
  • Health – general and rehabilitation (luxury or private facilities only), mental health, crisis intervention, disease/disorder-related
  • Consumer protection, legal aid
  • Employment/jobs (employees driving from location to location are ineligible)
  • Food, nutrition, agriculture 
  • Human service and other, including multipurpose (social services) 
  • Daycare 
  • Civil rights, social action, advocacy (no protest organization or civil disobedience) 
  • Community improvement, community capacity building (does not include construction)
  • Philanthropy, volunteerism and grant making foundations (volunteers should be less than staff)
  • Research, planning, science, technology, technical assistance 
  • Public/society benefit 
  • Hospitals
  • In-home healthcare services
  • Nursing homes — skilled or intermediate care
  • Residential care facilities for adults, elderly
  • Residential care facilities for troubled youth
  • Orphanages
  • Abortion clinics
  • Blood banks and donor centers
  • Urgent care facilities
  • Acupuncture centers
  • Weight loss clinics
  • Psychiatric counseling and treatment
  • Homeless shelters
  • Shelters for battered or abused spouses or children
  • Criminal rehabilitation centers and facilities
  • State funded alcohol and drug treatment centers 
  • Public housing and housing authorities
  • Birthing centers
  • Foster care or other child placement services
  • Operations that include boot camps, adventure programs, Outward Bound or survival programs, or wilderness programs
  • Operations with volunteer workers that exceed employee population 
  • Any organization that is engaged in international travel
  • Live theater
  • Film production
  • Medical detoxification or methadone treatment
  • Participation in clinical trials
  • Any operation with extensive delivery operations (i.e., Meals on Wheels)
  • Community redevelopment agencies (agencies engaged in home construction/renovation)
  • Equestrian centers
  • Animal shelters or humane societies
  • Organizations that perform animal rescue operations