Workers' compensation - not-for-profit

Appetite:

• Zurich’s Program Administrator offers expedient rating, quoting and binding of Workers' Compensation on a guaranteed cost basis focusing on non-profits in the following targeted classes of business. 
• We monitor state-by-state Workers' Compensation market conditions carefully, and non-profits in under-performing states must have best in class historic experience to qualify.

Targeted Classes of Business:

• YMCA, YWCA, JCC
• Boy and Girl Scout Organizations
• Education/instruction and related — formal and informal
• Health — general and rehabilitation, luxury or private facilities only
• Health — mental health, crisis intervention 
• Disease/disorder-related health organizations 
• Consumer protection, legal aid
• Employment/jobs, employees driving from location to location are ineligible 
• Food, nutrition, agriculture 
• Human service and other, including multipurpose (social services) 
• Daycare 
• Civil rights, social action, advocacy (no protest organization or civil disobedience) 
• Community improvement, community capacity building (does not include construction)
• Philanthropy, volunteerism and grant making foundations (volunteers should be less than staff)
• Research, planning, science, technology, technical assistance 
• Public/society benefit 

Ineligible risks:

• Hospitals
• In-home healthcare services
• Nursing homes — skilled or intermediate care
• Residential care facilities for adults, elderly
• Residential care facilities for troubled youth, orphanages
• Abortion clinics
• Blood banks and donor centers
• Urgent care facilities
• Acupuncture centers
• Weight loss clinics
• Psychiatric counseling and treatment
• Homeless shelters
• Shelters for battered or abused spouses or children
• Criminal rehabilitation centers and facilities
• State funded alcohol and drug treatment centers 
• Public housing and housing authorities
• Birthing centers
• Foster care or other child placement services
• Operations that include boot camps, adventure programs, outward bound or survival programs, or wilderness programs
• Operations with volunteer workers that exceed employee population 
• Any organization that is engaged in international travel
• Live theater
• Film production
• Medical detoxification or Methadone treatment
• Participation in clinical trials
• Any operation with extensive delivery operations (i.e., Meals on Wheels)
• Community redevelopment agencies (agencies engaged in home construction/renovation)
• Equestrian centers
• Animal shelters or humane societies
• Organizations that perform animal rescue operations

Geography:

• Nationwide except DE, MA, NY, OR and RI

Submission requirements:

• Completed ACORD forms
• Five years of loss runs
• Experience modification worksheet
• Supplemental application to be provided by Program Administrator

Coverages offered:

• Workers' Compensation

Admitted or non-admitted paper:

• Admitted