Coverage

The coverages shown here are a brief overview of the comprehensive coverage NPIP offers. The terms and conditions offered may differ from your prior policy and from what you requested in your submission. This information is not intended to be used as a direct reflection of all coverages or to replace or alter coverage in any way.

To protect the program against any catastrophic claim, NPIP purchases an excess insurance policy to cover losses that exceed the self-insurance layer. In addition, NPIP’s assets are protected against an abnormally high frequency of claims that may occur during a given year through its aggregate stop loss policy. This helps ensure the amount paid towards claims is capped in any one year and will likely never exceed a predetermined amount.

Auto

Automobile, uninsured motorist, underinsured motorist, non-owned auto, hired physical damage, garage-keepers, and general auto damage

Commercial General Liability

Personal injury, product, rental damage, special events, fire, products, traumatic events, and abuse

Commercial Property

Earthquake, flood, fire, valuables, auto, valuables, accounts receivable, new property, business income, and extra expense

Crime

Employee dishonesty, computer fraud, securities fraud, forgery, robbery/theft, disappearance, and destruction

Equipment Breakdown

Property damage, business income, contingent business income, electronic data restoration, hazardous substances, service interruption, spoilage, and extra expenses

Wrongful Acts

Director/officer liability, errors and omissions, employment practice, sexual harassment, and fiduciary liability

Privacy, Security, and Technology

Data Breach, Social Engineering, Phishing, Ransomware, Bricking

Miscellaneous Professional Liability

Counselors, Therapists, Nurses / EMTs / Paramedics, Psychologists, Dental Hygienists, Social Workers, and Athletic Trainers

General Application

Risk Control Services

Underwriting Services

Pre-Litigation Program

Special Event List

Sales and Production – Byron Riche

(800) 407 2027 briche@chooseclear.com

Supplemental Coverage Applications

expand_more Students		Swimming Pool Supplement School Security Safety Supplement Dormitory-Student Housing Supplement Educational Institutions Supplement
expand_more Youth Services		Foster Placement – Children, Youth, Family Services Host Home Placement Supplement
expand_more Camp		Camp Supplement Challenge Course Camp Supplement Water Activities Camp Supplement Special Needs Camp Supplement
expand_more Vehicular		15-Passenger Van Supplemental Application Non-Owned Auto Supplement Motorized Vehicles Supplement Unmanned Aircraft/Drone Supplement
expand_more Housing or Care		Adult Daycare-Eldercare Centers Supplement Daycare Centers Supplement Home Health Care Supplement Long Term Care Facility Supplement Residential Care Supplement Housing Supplement
expand_more Sexual Abuse & Molestation		Sexual Abuse and Molestation
expand_more Animals		Animal Shelters Supplement Equestrian Activities Supplement
expand_more Special Events		Inflatable Structures Supplement Special Event and/or Liquor Liability Supplement
expand_more Community Services		Church and Religious Organizations Theaters and Performing Arts Supplement Commercial Cooking Supplement Community Center and Club Supplement
expand_more Trades or Vocations		Vocational Training Supplement Fiscal Agent Supplement Home Repair and Weatherization Services Supplement
expand_more Security		Security Safety Supplement