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Product Fact Sheet

Property & Casualty Package for Non-Profits
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Non-Profits are driven by passion and commitment, but they face risks and uncertainties just like any other organization. At SIGNAL Underwriting, we’ve designed our product to protect your clients' Non-Profits from these risks, so they can focus on what really matters — pursuing their mission.

Our target classes of business:

  • Animals & Environment

    • Environmental Organisations (non-activists)

    • Humane Societies

    • Nature Appreciation Groups

  • Arts & Culture

    • Art Galleries

    • Cultural Groups

    • Historical Societies

  • Business & Professional Associations

    • Chambers of Commerce

    • Membership Associations

    • Professional Association

  • Community Associations & Housing

    • Condominium and Strata

    • Community Centres

    • Homeowner Associations

  • Sports & Activities

    • Amateur Sports Association

    • Local Drama Production Groups

    • Recreational Clubs

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Please contact us if your Healthcare risk does not fit into one of these categories – we may still be able to help.

Available coverages:

  • Abuse Liability

  • Commercial General Liability, including Bodily Injury, Personal and Advertising Injury, Property Damage, Tenant's Legal Liability, Non-Owned Automobile, Employee Benefits Errors & Omission

  • Employment Practices Liability

  • Equipment Breakdown Insurance

  • Errors & Omissions

  • Non-Profit Directors & Officers Liability

  • Property and Crime

Liability coverage highlights:

  • $5,000,000 available limits

  • Broad definition of Insured

  • Blanket Contractual Liability

  • Defense Costs in Addition (except Non-profit Directors & Officers and Employment Practices Liability)

  • No General Liability Aggregate (except Completed Operations Hazard and Employee Benefits Errors and Omissions)

  • Market-leading SIGNAL Underwriting manuscript wording tailored for Non-Profits entities

  • Punitive Damages (sub-limited)

  • Silent Abuse coverage for qualifying classes of risk (Claims-made buy-back option for remainder)

  • Led by Certain Lloyd's Underwriters

  • Worldwide cover, with claims brought in North America

Property & Crime coverage highlights:

  • $4,000,000 available per location (for best in class)

  • All-Risk Coverage

  • Broad list of Extensions of Coverage

  • Replacement Cost

  • Stated Amount-Waiver of Co-Insurance (with signed Statement of Values on File)

What sets SIGNAL Underwriting apart:

  • Broad appetite

  • Customer focused on broker partners and insureds

  • In-house underwriting authority

  • Our Underwriters are here to help you with any of your Non-Profit related questions

  • Over 20 years of Non-Profit broking and underwriting experience

  • Secured Lloyd’s of London Coverholder status within first year of operation

  • SIGNAL Underwriting Inc. only represents London and domestic security with a minimum rating of A- (AM Best rating) for this product

  • Claims handled by Canadian Third Party Adjuster experienced with Non-Profit entities

  • 17.5% Retail broker commission on this product

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