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Non-Profits

Nonprofits, despite their altruistic missions, are not immune to risks inherent in their operations. Insurance is crucial for nonprofits to safeguard their assets, reputation, and mission continuity. Liability insurance protects against lawsuits stemming from bodily injury, property damage, or negligence claims. Property insurance covers physical assets like buildings and equipment from damage or loss due to fire, theft, or natural disasters.

Directors and officers insurance shields board members and executives from personal liability arising from managerial decisions. Additionally, specialized coverages like cyber liability insurance guard against data breaches, and event cancellation insurance mitigates financial losses from canceled fundraisers or programs. By investing in insurance, nonprofits can ensure financial stability, protect stakeholders’ interests, and focus on advancing their charitable endeavors without undue risk.

 

Non Profit

What is a Nonprofit?

A nonprofit organization is a type of entity that operates for purposes other than generating profit. Instead, it dedicates its resources to furthering a specific mission or serving the public good. Nonprofits can encompass various sectors such as charitable, educational, religious, scientific, or social welfare activities. They often rely on donations, grants, and membership dues to fund their operations.

In terms of taxes, nonprofits can qualify for tax-exempt status under section 501(c) of the Internal Revenue Code in the United States. This exempts them from federal income tax on their qualifying activities. Additionally, donors to eligible nonprofits may be able to deduct their contributions from their taxable income. However, nonprofits still need to comply with certain tax regulations, such as filing annual information returns (Form 990) with the IRS and adhering to specific rules regarding unrelated business income.

Why Choose The Millward Agency?

Choosing The Millward Agency means opting for unwavering confidence in your insurance provider. Our accolades and recognitions speak volumes about our commitment to excellence. Our bespoke insurance solutions for the automotive industry are designed to underwrite your success, with a proven track record of serving businesses like yours with integrity, innovation, and a keen understanding of industry-specific risks.

Nationwide Presence

We are proud to offer nationwide coverage while retaining a personal touch that resonates with local communities. Our understanding of diverse regional needs ensures that our clients receive service that feels both global and neighborly.

75+ Years of Expertise

We carry a legacy of over seven decades in the insurance industry. Our enduring commitment to excellence is rooted in a deep understanding of insurance’s evolving landscape, shaped by years of experience and client-focused service.

Integrity in Every Policy

Our philosophy is simple: if we wouldn’t buy it ourselves, we won’t sell it. This ethos ensures every policy we offer is built on a foundation of trust and reliability, reflecting our commitment to honest and transparent insurance solutions.

Target Classes

Here’s a comprehensive list of various types of habitational properties:

Charitable Organizations
 Nonprofits focused on providing aid, support, and resources to underserved populations, addressing issues such as poverty, hunger, homelessness, and healthcare access.

Educational Institutions
Nonprofit schools, colleges, universities, and educational organizations dedicated to providing formal education and promoting academic advancement and lifelong learning.

Religious Organizations
Nonprofit churches, mosques, temples, synagogues, and other religious institutions focused on spiritual guidance, religious practices, community outreach, and charitable activities.

Arts and Cultural Organizations
Nonprofits promoting arts, culture, heritage preservation, and creative expression through museums, galleries, theaters, orchestras, dance companies, and other cultural institutions.

Healthcare Providers
Nonprofit hospitals, clinics, medical centers, and healthcare organizations dedicated to providing medical services, healthcare education, research, and community health initiatives.

Social Service Agencies
Nonprofits offering social services, counseling, advocacy, and support to individuals and families in need, including counseling centers, shelters, food banks, and rehabilitation programs.

Environmental and Conservation Groups
 Nonprofits focused on environmental protection, conservation efforts, sustainable development practices, and wildlife preservation through advocacy, education, and conservation projects.

Cultural and Arts Organizations
 Nonprofit museums, theaters, galleries, and cultural centers promoting arts, culture, and heritage preservation.

Humanitarian and Relief Organizations
 Nonprofits providing emergency response, disaster relief, humanitarian aid, and development assistance to communities affected by natural disasters, conflicts, or humanitarian crises.

Animal Welfare Organizations
Nonprofits dedicated to animal rescue, adoption, welfare, and protection through shelters, sanctuaries, advocacy, and humane education programs.

Advocacy and Civil Rights Groups
Nonprofits advocating for social justice, civil rights, equality, and human rights issues at local, national, or international levels through advocacy, litigation, and public awareness campaigns.

Community Development Corporations
Nonprofits focused on community revitalization, economic development, affordable housing initiatives, and neighborhood improvement projects to enhance quality of life and promote community empowerment.

Foundations and Grantmaking Organizations
 Nonprofits providing funding, grants, and support to other charitable organizations, social enterprises, and community initiatives to address various social, environmental, and cultural issues.

Professional Associations and Societies
Nonprofits representing professionals, practitioners, and experts in specific fields or industries, offering professional development, networking, advocacy, and educational resources.

Recreational and Sports Organizations
Nonprofits promoting recreational activities, sports participation, physical fitness, and youth development through sports clubs, leagues, camps, and athletic programs.

Philanthropic Organizations
 Nonprofits dedicated to philanthropy, charitable giving, and social impact investing to address societal challenges, support community development, and foster positive social change.

Trade & Professional Associations
Trade and professional associations are nonprofit organizations that bring together individuals or businesses within a specific industry or profession to promote common interests, provide networking opportunities, offer professional development resources, and advocate for industry-related issues.

Museums
Museums are nonprofit organizations dedicated to preserving, interpreting, and displaying objects of artistic, cultural, historical, or scientific significance for public education and enjoyment.

Disaster Relief Organizations
Nonprofits providing emergency response, disaster relief, and humanitarian aid in times of crisis, such as natural disasters or conflicts.

    Community Associations
    Community associations are nonprofit organizations formed by residents or property owners within a specific geographic area, such as a neighborhood, condominium complex, or planned community, to manage common areas, amenities, and community affairs through governance structures like homeowner associations (HOAs) or community development associations (CDAs).

    Clubs
    Clubs are nonprofit organizations that bring together individuals with shared interests, hobbies, or activities, often providing social, recreational, or educational opportunities for members. Clubs can range from social clubs, sports clubs, hobby clubs, or cultural clubs, catering to various interests and demographics.

    Boys and Girls Clubs of America
    The Boys and Girls Clubs of America is a national nonprofit organization dedicated to providing after-school and summer programs for children and teens from disadvantaged backgrounds. These programs offer educational support, mentorship, leadership development, recreational activities, and community engagement opportunities to help young people reach their full potential and achieve success in life.

    Plus, so many more

    These nonprofit organizations play vital roles in addressing societal needs, advancing public welfare, promoting cultural enrichment, and fostering positive social change within their respective communities and beyond.

    Specialized Protection:

    • Hundreds of available classes available
    • Tailored to fit each unique type of nonprofit
    • Sexual Abuse/Molestation – separate limits up to $1 Million Occ/$2 Million Agg (Up to $5 mill available in Umbrella)
    • Social Services Professional Liability – separate limits up to $1 Million Occ/$3 Million Agg
    • Veterinarians Professional Liability
    • Employee Benefits Liability
    • Special Events
    • Broadening Endorsements        
      • Automatic Coverage for most special events
      • $1,000,000 – Damage to premises rented to you
      • Blanket Additional Insured Endorsement/Blanket Waiver of Subrogation/Primary Non-Contributory wording included standard with all of our GL policies at no charge.
    • Professional & Pollution coverage available
    • Occurrence and Claims-Made policies available
    • All carriers are “A” rated

    Standard Liability limits but not limited to:

    Occurrence

    $1,000,000 

    General Aggregate

    $3,000,000 

    Aggregate Products/Operations

    $3,000,000

    Personal Injury / Advertising Injury

    $1,000,000 

    Medical

    $5,000

    Damage To Premises Rented To You

    $300,000

    Umbrella/Excess Liability

    $1,000,000 – $25,000,000+

    Policies Offered

    Here are some common policies for Nonprofits, but not limited to:

    General Liability Insurance

    Covers bodily injury, property damage, and personal injury claims arising from the nonprofit’s operations, premises, or products. It provides essential protection against common liabilities faced by organizations.

    Property Insurance

    Protects the nonprofit’s physical assets, including buildings, equipment, inventory, and furnishings, against damage or loss due to perils such as fire, theft, vandalism, and natural disasters.

    Directors and Officers (D&O) Liability Insurance

    Shields board members, officers, and executives from personal liability for alleged wrongful acts, including mismanagement, negligence, or financial misdeeds, while serving the organization.

    Employment Practices Liability Insurance (EPLI)

    Covers claims alleging wrongful employment practices such as discrimination, harassment, wrongful termination, or retaliation brought by employees, volunteers, or job applicants.

    Cyber Liability Insurance

    Protects against data breaches, cyberattacks, and other cyber risks that could compromise sensitive information, including donor data, financial records, or personally identifiable information.

    Professional Liability Insurance (Errors and Omissions)

    Shields against claims alleging professional negligence or failure to perform professional services to a satisfactory standard, applicable to nonprofits providing professional services such as counseling, consulting, or advice.

    Improper Sexual Conduct and Physical Abuse Liability

    Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.

    Nonprofit Management Liability Insurance

    Combines D&O, EPLI, and other coverages into a single policy tailored to the unique risks faced by nonprofits and their leadership teams, offering comprehensive protection against various liabilities.

    Commercial Auto Insurance

    Provides coverage for vehicles owned, leased, or used by the nonprofit for business purposes, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.

    Workers' Compensation Insurance

    Mandatory in most states, covers medical expenses, lost wages, and disability benefits for employees injured or become ill while performing work-related duties for the nonprofit.

    Volunteer Accident Insurance

    Provides medical coverage for volunteers injured while performing duties for the nonprofit, supplementing their personal health insurance or covering expenses not covered by it.

    Special Events Insurance

    Covers liabilities and risks associated with organizing and hosting events such as fundraisers, galas, or community gatherings, including bodily injury, property damage, and event cancellation.

    Umbrella/Excess Liability Insurance

    Offers additional liability coverage beyond the limits of primary policies, providing an extra layer of protection against catastrophic losses or large liability claims.

    Fidelity Bond (Employee Dishonesty) Insurance

    Protects against financial losses resulting from dishonest acts, theft, or fraud committed by employees or volunteers of the nonprofit.

    Fiduciary Liability Insurance

    Protects fiduciaries, such as trustees, administrators, or investment committee members, from claims alleging breaches of fiduciary duty related to managing employee benefit plans or endowment funds.

    Business Interruption Insurance

    Provides coverage for lost income and extra expenses if the nonprofit’s operations are interrupted or suspended due to a covered peril, such as a fire, natural disaster, or other catastrophic event.

    Employee Benefits Liability Insurance

    Covers claims arising from errors or omissions in the administration of employee benefit programs such as health insurance, retirement plans, or other employee benefits.

    Non-Owned Auto Liability Insurance

    Extends liability coverage to vehicles not owned by the nonprofit but used for its business purposes, such as employee or volunteer-owned vehicles used for organization-related tasks.

    Tenant's Liability Insurance

    Protects the nonprofit against liabilities for damages to rented premises, covering property damage and liability claims arising from the organization’s use of leased or rented space.

    Event Cancellation Insurance

    Reimburses financial losses incurred due to the cancellation, postponement, or disruption of planned events, such as conferences, concerts, or fundraisers, due to unforeseen circumstances or perils.

    Media Liability Insurance

    Covers claims of defamation, libel, slander, or infringement arising from the nonprofit’s publishing activities, including newsletters, social media posts, or promotional materials.

    These insurance policies provide essential protection for nonprofits, safeguarding their assets, operations, leadership, employees, volunteers, and stakeholders against a wide range of risks and liabilities.

    The Millward Agency, Inc. Testimonials

    Hear from our clients who have achieved stability and growth with The Millward Agency’s insurance solutions. Our case studies demonstrate our commitment to providing unparalleled support and protection, proving that no challenge is too big when you have the right insurance partner.

    Kurtis ThorntonKurtis Thornton
    18:38 16 Jan 22
    Very helpful and nice people, a great place to get your insurance needs taken care of.
    Christopher LymanChristopher Lyman
    14:48 26 Oct 19
    Finally, I don't need to ever look for another insurance agent. The Millward Agency handles my personal and business insurance. Always helpful with my questions and quick to respond to my emergencies. The Millward Agency Rocks!
    Markusz SudozMarkusz Sudoz
    19:03 19 Jul 19
    Every time I go to my broker, Ed Caceres @ the Millward Agency, he always finds me the best insurance rates on my real estate properties. Ed is great, always extremely responsive and understanding of the industry. In the past I would go do my own insurance shopping and spend hours on hours to get the best rate, now I do not even bother shopping around I just call Ed and he always has the best pricing. In the beginning I got a quote from Ed then shopped around, now I have learned to not even waste my time. Ed @ Millward Always saves me hundreds of dollars. 110% on customer service, 100% on pricing!!! A+++
    Mobility SolutionsMobility Solutions
    19:09 25 Jul 18
    Everybody!!!!! is Great to work with when ever I need anything which is almost monthly.Linda
    carlene klebecarlene klebe
    20:01 22 Jun 18
    My former insurance agent and friend recommended Ed Caceres of Millward Agency. Within hours of having given Ed a call, I had quotes and was decided to go with his carrier. He was professional and answered all my questions. I’m happy to have done business with Ed and Millward Agency.
    John CourtneyJohn Courtney
    16:20 11 Jun 18
    Business or Personal this is who you want - Personal service from their Team is amazing, treat as though you are their only client.* Business - Review policy/coverage every year. Not limited to one or two insurance providers. Recommend changes, not necessarily to save money (although it is available) provide additional coverage. Three months later our additional coverage cost $150 on a $15000 claim. For years we were not covered! They are not limited to one or two insurance providers as our previous agent.* Personal - couple of claims were handled like we were their only client. They bundled coverage in such a way to save $2100 a year for a family of four and kids in college.***Will continue to recommend to business colleagues, friends and family***
    Karen CarterKaren Carter
    16:01 08 Jun 18
    Our company has been working with Millward Agency for many years.They have been the best insurance company I have ever worked with.The staff is always very informative and very professional. Our insurance needs which include general, auto and worker's comp are very complex. Millward is able to handle and update all of our needs at any time of the year. I really like the fact they get back to you very quickly! They are very knowledgeable and caring we never think of going elsewhere. We will definitely be customers for years to come. Thank you Millward Agency!
    Chad StottChad Stott
    17:56 07 Jun 18
    Wade and the Millward team have been consistently reliable, prompt, knowledgeable and a pleasure to work with. Wade and his crew have guided us through our ever growing needs and we attribute our success to the partnerships we have forged with organizations like The Millward Agency. We look forward to many more years working together.
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