To qualify for the VIP, your organization must be classified as a 501(c)(3), and have at least 3 units. There is no limit on the number of vehicles we can provide coverage for.

Traditional insurance rates drastically fluctuate in price. Our vehicle insurance pool is different. While our rates may not be the lowest, they do remain steady and predictable. Combined with the safety resources and unmatched member support that only we provide, as a member you can expect stability and long-term value.

Yes! We can provide you with vehicle coverage for both employees and volunteers. We will determine the specific type of insurance your organization needs during the underwriting phase.

NonProfits’ United maintains strict underwriting policies in order to limit group risk. Once you apply, our program administrators will evaluate your organization to determine group fit. Under consideration are organizations with historical claim frequency of approximately 5 to 10 claims per 100 employees per year, comprehensive organizational safety plans, and types of community service which correspond with that of our existing members.

As a self-insurance group, rates are actuarially determined based on the experience of the group as a whole. For this reason, we typically cannot negotiate pricing like a commercial carrier. We can, however, reclassify some exposures. We have used this to provide all of our members with the flexible payroll allocation methodology, which allows for the classification of employees by actual work function. This flexibility can result in lower rates.

Our WCG is designed to provide group stability. We require every member to adhere to strict risk mitigation standards. This includes having a dedicated safety board, adopting best practice safety measures, and undergoing periodic safety assessments. Along with our strict underwriting process and selective member admittance, risk mitigation efforts have proven successful in keeping the group’s rates stable in the long-term.

Our policy year is one calendar year. Should any client join our program mid-year, their premium will be prorated on their effective date. Policy renewal automatically occurs on January 1st.

There are more than 220 members currently insured in the VIP.