Significant expertise and infrastructure is required in underwriting nonprofit
organizations. From the beginning, many risks are more difficult to comprehend
than they initially appear. Advisors need access to comprehensive insurance
solutions when delivering long standing service to nonprofits.

When the proper structures are in place to mitigate risks, nonprofits can become more
focused on their mission. Further, the right advisor can continue to determine ongoing
exposures that nonprofits face:

• Professional liability
• General liability
• Automobile
• Physical and Sexual Molestation
• Property, Inland Marine and Crime
• Umbrella or Excess
• Management Liability
• Volunteer Participant Accidental and Medical Expense Coverage

Methodology

During the fourth quarter of 2007 and the first in 2008, 1,731 research questionnaires
were sent to nonprofit decision makers nationally, representing the benefits programs
of more than 100,000 employees. While the nonprofit universe of sectors was included
among the respondents, the majority of organizations included in the research were
health, education/research, religious, social/legal services, civic/social/fraternal and
arts/culture. Decision makers included Executive Directors, CEOs, Assistant Directors,
Finance Managers, HR Managers, Program Directors and their brokers and advisors.
The majority of respondents were from the mid-market (50-200 employees).