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Nonprofits and Human Services

Convelo has decades of experience providing insurance for nonprofits and human service organizations, and we choose wholesale carrier partners who share our expertise and care for this sector. Together, we can support these organizations by securing top-tier coverage at competitive rates to protect the vital work they do in our communities.

Wholesale Coverage Overview

While target classes and appetites are different for each carrier, all of our carrier partners in this category offer the following lines of business for human service and nonprofit organizations:

Package, including abuse

Auto

Umbrella

Workers’ Compensation

NEMT insurance converage

Non-Emergency Medical Transit

GuideOne

GuideOne policies are generally available nationwide, with options for business owners policies (BOP) and commercial package policies (CPP) in certain states and for certain classes.

Appetite

Churches and Religious Institutions

  • BOP only in DE, ID, ME, MT, NV, NH, NM, RI, SD, UT, VT, WV, WY
  • Neither BOP nor CPP available in AK and HI
  • BOP or CPP available in all other states
  • No minimum premium

Nonprofit and Human Service Organizations

  • $5,000 minimum premium
  • All lines of business
  • Not available in AK, DE, HI, ID, ME, MT, NV, NH, NM, RI, SD, UT, VT, WV, WY

Educational Institutions

  • Appetite includes private, religious and charter schools for grades K-12
  • All lines of business
  • Not available in AK, DE, HI, ID, ME, MT, NV, NH, NM, RI, SD, UT, VT, WV, WY

Complementary Offerings

Monoline Workers’ Compensation

  • $100,000 minimum premium
  • Appetite includes four-wall businesses

Carrier Benefits

GuideOne is a trusted name in the world of churches and religious institutions. They offer excellent loss control and risk management resources for insureds.

AmTrust

AmTrust serves both nonprofit and for-profit organizations, with an affinity for human services, mental health and crisis intervention, group housing, education, religious institutions, food and nutrition, arts and culture, youth services, and recreation.

Appetite

Churches and Religious Institutions

  • No minimum premium
  • All lines of business
  • Not available in AK, HI, VA, WA

Nonprofit and Human Service Organizations

  • $5,000 minimum premium
  • All lines of business
  • Not available in AK, HI, VA, WA

Educational Institutions

  • Appetite includes private, religious and charter schools for grades K-12
  • All lines of business
  • Not available in AK, HI, VA, WA

Complementary Offerings

Monoline Workers’ Compensation

  • In addition to the semi-exclusive class codes covered in our Healthcare Workers’ Compensation offering, we can write monoline workers’ compensation for AmTrust’s full appetite: auto industry, clubs, contracting, hospitality, manufacturing, professional services, retail, wholesale, schools, social services and warehouse.  View the full list.
  • Available in all states

Business Owners’ Policies (BOP)

  • Appetite includes real estate (residential condominium associations and cooperatives, townhouses, apartment buildings, retail centers and office buildings), retail, service, office, wholesale, restaurant, and light-to-medium-hazard artisan and specialty trade contractors.

Benefits

AmTrust is rated A- by AM Best and provides highly specialized loss control tools for insureds. They also offer a Pay As You Owe payment plan to help customers reduce audit-related challenges.

Church Mutual

Church Mutual’s service of churches and educational institutions are certified as Centers of Excellence by BenchmarkPortal, which means they provide exceptional care for clients in these niches.

Appetite

Churches and Religious Institutions

  • $25,000 minimum premium at account level, including other lines of business
  • All lines of business
  • Not available in CA

Educational Institutions

  • $25,000 minimum premium at account level, including other lines of business
  • Appetite includes public, charter, private and religious schools for grades K-12; smaller colleges and universities may be considered
  • All lines of business available for religious schools; auto and workers compensation available for other private, public and charter schools
  • Religious schools not eligible in CA

Senior Living Workers’ Compensation

  • $20,000 minimum premium
  • Available in all states

Complementary Offerings

Nonprofit and Human Service Organizations

Benefits

Church Mutual is a respected name in the world of churches and religious institutions. They offer excellent loss control and risk management resources, which are customized to the social service and nonprofit niche. Dividend plans are available in some states for workers’ compensation.

Cluett

Cluett offers non-emergency medical transportation (NEMT) insurance which covers vehicles used to transport individuals who require medical care or assistance but do not have an immediate medical emergency. 

Appetite

Non-Emergency Medical Transportation

  • Minimum 1 Unit
  • New Ventures Welcome (3 years similar prior industry experience/owner resume required)
  • Up-to 20% 911 Dispatched-Emergency Call
  • Available in: AL, AR, AZ, CO, CT, DE, GA, IA, IL, IN, KS, KY, MD, ME, MI, MN, MS, MT, NC, NH, NV, OH, OK, OR, PA, TN, TX, UT, VA, WI

Complementary Offerings

Workers’ Compensation

  • Cluett boasts a diverse portfolio of national and regional workers’ compensation insurance markets and programs, and we are committed to expanding further, adding new markets, programs, and technology to meet the evolving demands of our agency partners.

Benefits

Cluett offers specialized insurance solutions for retail agents serving Non-Emergency Medical Transportation (NEMT) providers. Backed by A.M. Best “A” Rated carriers, our program delivers competitive rates, flexible options, and expert risk management services. Whether your clients are new ventures or established providers, our comprehensive coverage is designed to meet their unique needs.