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⛪ Church Mutual 🏛️ USLI 🦅 Great American 🐻 Chubb 🦌 Hartford 🔔 Philadelphia

Carrier Cheat Sheet

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Church Mutual
Nonprofit & religious specialist

Best For

Religious Orgs Nonprofits Human Services Community Centers Youth Services

Key Coverages

General Liability Property D&O Abuse & Molestation Auto
Your Pitch Line "Church Mutual was literally built for nonprofits — they understand your world in a way a standard commercial carrier never will."

Watch Out For

High claims history Very large organizations
USLI
Specialty & hard-to-place markets

Best For

IDD Providers Sub Abuse Treatment Home Health Hard-to-place nonprofits

Key Coverages

Professional Liability Abuse & Molestation General Liability D&O
Your Pitch Line "USLI specializes in the markets that standard carriers won't touch. If you've had trouble getting coverage before, they're exactly who you want in your corner."

Watch Out For

Significant claims history may need extra review
Great American
Specialty lines & social services

Best For

Social Services Human Services Community Action Geriatric Services

Key Coverages

Professional Liability General Liability Workers' Comp Umbrella
Your Pitch Line "Great American has deep experience in social services — they understand the complexity of multi-program organizations and price accordingly."

Watch Out For

Very small orgs may have limited options
Chubb
Premium coverage, larger accounts

Best For

Larger Nonprofits Museums Nursing & Rehab Community Action Agencies

Key Coverages

D&O Fine Arts / Collections Property Cyber Liability Umbrella
Your Pitch Line "Chubb is the gold standard for organizations that have real assets to protect — property, collections, executive liability. They're not the cheapest but they pay claims."

Watch Out For

Smaller orgs — may be over-priced High claims frequency
The Hartford
Broad appetite, WC strength

Best For

Workers' Comp Daycare Home Health Rec Sports Broad nonprofit appetite

Key Coverages

Workers' Comp General Liability Business Auto Property
Your Pitch Line "Hartford has one of the strongest workers' comp programs for nonprofit industries — they know the class codes, they know the exposures, and they're competitive on price."

Watch Out For

High mod factor WC accounts need extra review
Philadelphia Insurance
Nonprofit liability specialist

Best For

Youth Services Social Services Housing & Shelter Charitable Food IDD

Key Coverages

General Liability Abuse & Molestation Professional Liability D&O Volunteer Liability
Your Pitch Line "Philadelphia has one of the most comprehensive nonprofit liability programs in the market — especially strong on abuse and molestation coverage, which is critical for organizations working with vulnerable populations."

Watch Out For

Abuse claims history — needs review

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