Non-Profit and Human Services- Philadelphia Insurance Companies

Non-Profit and Human Services

Dedicated Coverage Backed by 30+ Years of Experience

Non-profit organizations dedicate everything to a cause they support.

Non-profit organizations dedicate everything to a cause they support. At Philadelphia Insurance Companies (PHLY), we believe in dedicating everything to supporting non-profits. As the third largest workforce in the United States, the non-profit sector is central to the lives of everyday citizens from all walks of life. It's also central to our values and the work we do at PHLY.

PHLY has a long-standing history of service to non-profit and social/human service organizations. With more than 30 years of experience serving 501(c)(3) non-profit clients, PHLY offers tailored non-profit insurance solutions designed to meet the unique needs of this sector.

A History of Dedication and Commitment

Our founder James J. Maguire, Sr., first started selling insurance to the deaf community through the Maguire Insurance Agency in 1962. This specialized insurance experience helped him later launch Philadelphia Insurance Companies and focus on social service agencies. PHLY now offers coverage to more than 120 niche business markets, employing 2,000 people in 50 offices across the country. We lead the industry in non-profit insurance and remain committed to comprehensive coverage and exceptional customer support. As part of our commitment to those values, PHLY has donated nearly $50 million dollars to charitable organizations.

Our commitment to philanthropy matches our commitment to excellence in customer service. PHLY has a distinguished record of customer support that includes:

  • A++ (Superior) rating from the AM Best Company
  • A+ rating from Standard & Poor's
  • 96% overall customer satisfaction rating
  • Over 90% insured retention rate

What We Offer: Core Products and Claims Scenarios

We are dedicated to delivering customer-centered policies designed to address the unique needs of non-profit organizations. Our core policies encompass the operational needs of non-profits and cover:

  • General Liability: Typically includes limits of $1M per occurrence and $3M aggregate
  • Professional Liability: Offered separately to avoid erosion of the general liability aggregate limit
  • Property: Includes Equipment Breakdown coverage and blanket limits with large in-house capacity
  • Automobile: Includes coverage for owned, non-owned, and hired vehicles and features Electronic Auto ID card issuance
  • Cyber Liability: Covers first and third party exposures and includes full policy limits for forensic IT costs
  • Crime and Fidelity: Covers employee theft/forgery and money and securities fraud
  • Directors and Officers (D&O) Liability: Covers defensive costs in addition to the Limit of Liability and includes most favorable venue wording for punitive, multiple, or exemplary damages

Whether your non-profit client is looking to limit their cyber exposure or needs Directors and Officers insurance, we offer industry-leading policies backed by decades of expertise.

Non-profit organizations understandably aim to dedicate most of their resources to their cause. But many are caught unaware of the costs of an incident when something goes wrong. Below are a few examples of claims PHLY has covered for our non-profit clients:

Malfunctioning Sprinkler System


An engine overheats at a local food bank due to a malfunction of the sprinkler system's fire pump drive. The engine's cylinders are severely damaged and extra expense is incurred to rent a replacement engine during the time of repair.

Cost to the organization

The property damage in this scenario costs $26,700 -- which would have to be paid out of pocket in the absence of property coverage. But the extra expenses in this scenario are even more severe, totaling $75,000 in out-of-pocket expenses without insurance.

Backup Power Failure


Employees discover they can't log on to their server and computers after a weather event. A subsequent claim investigation reveals a voltage irregularity caused a breakdown of the uninterrupted power supply (UPS) used to provide backup electrical power to their computer equipment. The non-profit organization's UPS failed to respond when primary electrical power was lost.

Cost to the organization

In addition to property damage of $38,000, the organization would have incurred an addition $1,800 Expediting Expense without insurance. PHLY's coverage is designed to protect non-profit organizations in these all-too-common situations.

Key Features and Benefits

PHLY's insurance for non-profit organizations is tailored to meet the unique needs of the sector. As a company with a trusted knowledge in the challenges non-profit and social service organizations face, we offer excellent policies backed by our shared values and commitment. Our coverage goes beyond basic non-profit liability insurance by offering several key benefits such as:

  • Exceptional underwriting expertise to craft tailored policies
  • Special causes of loss on building, contents, loss of income, and extra expense
  • Specialized coverage for fundraising events
  • Convenient underwriting of General Liability, Professional Liability, and Excess Liability with just one carrier

As we've seen from our years of providing coverage, non-profit organizations face a long list of risks and exposures. PHLY's extensive history of handling claims in this area informs the risk management and support services we offer for our insureds. Highlights of our services include:

  • Free online Defensive Driver Training courses
  • Strategic partnerships with best-in-class vendors for discounted background & motor vehicle record (MVR) checks
  • Cybersecurity risk management for non-profits
  • And much more!

Supplemental Coverage for Non-Profits

For those looking for additional non-profit insurance solutions, PHLY offers a wide range of supplemental coverage options addressing a wide range of coverage needs:

  • Abuse and Molestation
  • Camp
  • HIV/AIDS Personal Care Residential
  • Medical Professional Primary
  • Special Event--Liquor Liability
  • Special Events
  • Water Slide
  • Winter Weather Freeze-Up Protection
  • Solar

Getting a Policy From PHLY

Getting a policy from PHLY is a straightforward process. To obtain a policy from PHLY, work with your client to complete the following steps:

  1. Complete, sign, and date a PHLY Non-profit and Human Services application (and any additional supplemental applications listed above.)
  2. Complete a standard ACORD application.
  3. Submit currently valued insurance company loss runs for the current policy period plus three prior years.
  4. Submit photographs of the location(s) to be included in the coverage.
  5. Submit brochures, advertising materials, and website information.

Not sure which application to submit? Below is a simple guide to our Non-Profit and Social / Human Service Applications.

  • Food Bank Application: An application for entities predominantly operating as a food bank
  • Head Start Application: New and renewal applications are available for entities predominantly operating as a Head Start center
  • Human Service--Basic Application: This application is intended for Human Service risks with limited programs/operations with revenues that do not exceed $2M
  • Human Service--Comprehensive Application: Intended for Human Service risks that are complex with multiple programs/operations, this application is for organizations with revenues that exceed $2M
  • Human Service Renewal Application: This is a standard renewal application for all human services organizations currently insured with PHLY
  • Non-Profit Non-Social Service Application: An application designed for small, non-social service entities (i.e. chamber of commerce) currently not insured with PHLY
  • Residential Care Application: Our new and renewal applications are for entities predominantly engaged in housing either elderly clients or intellectually /developmentally disabled clients where continuous medical treatment is not required
  • Sleep Centers and Laboratories: New and renewal applications are intended for entities predominantly engaged in sleep studies to diagnose and treat sleep disorders
  • Trade Association Application: This application is for entities predominantly operating as a trade association
  • Youth Group Organization: Both new and renewal applications are available for entities predominantly engaged in servicing the young
  • YWCA Application: This application is to be completed on all YWCA risks

PHLY does more than just offer non-profit liability insurance. We are actively engaged in a sector we have served for more than 30 years and continue to support through our business and charitable efforts. For those who need non-profit, human services, and social work insurance and are looking for a partner who shares their values, look no further than Philadelphia Insurance.

To learn more, download our free ebook guide to non-profit insurance or get free quote from our team and discover the difference PHLY can make for your client!

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