NonProfit Insurance - Insurance for 501(c)

Passionate. Tireless. Driven.
Our NonProfits are dedicated to their mission. We are equally driven to ensure our NonProfit clients are properly covered and insured for any situation.

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Horton NonProfit Practice

About Horton's NonProfit Practice Group

Since 2002, Horton's NonProfit Practice has dedicated its mission to drive down your cost, workload, and risk for agencies. Today, over 160 nonprofit agencies partner with Horton to take their insurance and employee benefits programs to a higher level of performance. Comprised of sound risk management, innovative employee benefits solutions, and industry-leading safety, wellness, and risk transfer strategies, agencies have the tools at their fingertips to control their destiny.  

A Specialization dedicated to NonProfits

As a NonProfit, you deal with relentless challenges, including fundraising, funding, employee safety, recruitment, and mental health habits. The missions you strive to fulfill are continuously challenged by these obstacles daily. You have specific risks that our specialized practice of insurance advisors are prepared to help you mitigate and turn into opportunities.

Living What We Both Preach.

You serve everyone in need from animals, to children, the elderly, less fortunate, and the disabled – the list goes onward. Your business faces emerging challenges of long-term sustainability, cybersecurity, contingency and talent development, cost containment, and many more.

While your community's needs will continue to evolve, your agency's missions and practices must evolve with them. Whether your agency is on the brink of expansion or has an established core mission with industry-leading operations, Horton's NonProfit team has 18 years of experience with your peers, allowing swift navigation of the employee benefits and risk management markets.

While this attribute is practically impossible to quantify, we can validate it through our three-pillared mission: to be successful, good, and passed to future generations.  Good is defined as creating a workplace filled with opportunities to make the lives of employees better. We are good for agencies like yours by partnering with you to achieve a long-term strategic plan, lowered costs, and happier employees. 

 

NFP Client Quote 1

The Horton team does a great job of providing ideas to enhance our benefits package while also offering ideas to control/reduce costs. Horton is a valued business partner!

- Community and Economic Development Association of Cook County, Inc./CEDA

Specialized NonProfit Health Insurance Program

Health Insurance Program Exclusively for NonProfits

Partnering with Community Service Partners (CSP), the Horton Group offers group health insurance plans for NonProfits.

In 2011, five Chicago-based nonprofits recognized they would get better quality insurance for a better price by working together to stabilize and lower their insurance costs. Together these nonprofits formed Community Service Partners (CSP), a 501(c) organization that is dedicated to lowering the cost of their employer-offered health insurance. CSP does this through leveraging wellness, technology, and collective buying power to proactively manage the cost of their health insurance premiums.

Download CSP Brochure

CSP NONPROFIT INSURANCE

NonProfit Organizations We Insure:

NonProfit Organizations We Insure:

  • Human Services – Family services, child daycare, YWCAs, emergency services, senior centers, and hospices
  • Mental Health/Crisis Intervention  – Outpatient or residential counseling for disorders and addictions including treatment and rehabilitation
  • Group Housing – Housing for the mentally and developmentally disabled, homeless shelters, transitional housing, and family violence shelters
  • Education – Preschools, charter schools, private elementary, secondary  and  post-secondary schools
  • Religious Organizations and Institutions – Churches, synagogues, temples, and mosques
  • Food and Nutrition – Food banks, food pantries, meals on wheels, congregate meals, and nutrition programs
  • Arts & Culture – Cultural and ethnic awareness groups, performing arts schools, art education, theatre, singing, and choral groups
  • Youth Services – Boys & girls clubs, girl scouts, youth development programs, youth centers, and community service clubs
  • Recreation – Parks, recreational camps, clubs and parks, Special Olympics and community recreation centers

NonProfit Case Studies

Our clients are concerned about rising insurance costs, higher risk employees on employee benefits, abuse and molestation coverage changes, workers' compensation risks, and more. Learn how we have helped to decrease volatility, increase the predictability of costs, and mitigated risks. Allowing their teams to focus on their operations, not their insurance.

$660k in Workers’ Compensation Losses fixed while improving employee safety.

 

NonProfit Insurance Coverages

NonProfit Insurance Coverages

Our team offers health insurance, business coverages such as Directors and Officers insurance coverage. As well as nonprofit specialty coverage such as event insurance and volunteer insurance.

NonProfit Insurance Coverages

General Liability Insurance
  • Limits to $1M each occurrence/$3M aggregate
  • Employees, Volunteers, and Insureds
  • Abuse and Molestation coverage
  • Blanket additional insured for funding sources and landlords
  • Medical payments for volunteers included
  • Thirty-three additional coverage/extensions
Property Insurance
  • Blanket limits available
  • Special Causes of Loss coverage
  • Equipment Breakdown coverage
  • Agreed Amount available with a signed statement of values/property appraisal
  • Forty-two additional coverage/extensions
  • Ordinance or Law coverage - included up to building limit
  • Property damage
Umbrella/Excess Liability Insurance
  • Large Excess Limits available
 Workers Compensation Insurance
Automobile Insurance
  • Owned/non-owned/hired auto
  • Employees and Volunteers as Insurance coverage
  • Hired car physical damage
Crime and Fidelity Insurance
  • Employee Theft/Forgery
  • Money and Securities
Directors, Board Members & Officers Liability
  • Defense costs in addition to the Limit of Liability
  • Most favorable venue wording for punitive, multiple or exemplary damages
Professional Liability Insurance
  • Covers students in training
  • Occurrence or claims-made forms available
  • Separate coverage part so no erosion of General Liability aggregate limit
  • Primary or contingent liability included for employed, contracted, or volunteer physicians and dentist

Client Testimonials

Client Testimonials

Customer satisfaction is of paramount importance. Here are some examples of what our nonprofit customers have to say about us.

Client Testimonials

"Horton is very responsive to customers' needs and offers a wide range of excellent services"
-
Blue Island Citizens for People with Developmental Disabilities (Blue Cap)
 
"The responsiveness of staff both for Workers' Compensation and Health Insurance is excellent. The training provided at no charge is an added bonus."
- Kreider Services
"I've been working with Horton Insurance for nine years. During that time, I have had the pleasure of working with staff in several departments. I always receive quick responses and accurate information." - Community Services Foundation 
 
"Very quick response time to questions for prompt resolutions to issues." - Goodwill Industries of Michiana, Inc.

NonProfit Team

Jason Helfert

Robin Bettenhausen