The Alliance of Nonprofits for Insurance (ANI) is a 501(c)(3) tax-exempt nonprofit insurance company whose mission is to be a stable source of reasonably priced liability insurance for the specialized needs of 501(c)(3) nonprofits, and to assist these organizations to develop and implement effective loss control and risk management programs.
ANI and an affiliated captive reinsurance company were capitalized with $10 million in grants from the Bill & Melinda Gates Foundation and the David and Lucile Packard Foundation.
Modeled after the Nonprofits’ Insurance Alliance of California (NIAC), which was founded in 1989 and which has brought stability in price and coverage to thousands of nonprofits in California, ANI is also governed by its nonprofit organization members.
ANI is currently insuring 501(c)(3) nonprofit organizations in Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, North Carolina, Ohio, Oregon, Pennsylvania, Utah, Vermont, Virginia and Washington.
ANI and NIAC, an affiliate in California, grew from an idea posed in Pamela Davis’ Master’s thesis at UC Berkeley. In her thesis, she proposed that instead of relying on insurance companies that were inconsistent in their willingness to provide affordable insurance, the nonprofit sector actually could get control of this important financial service and make sure nonprofits were paying their fair share and no more. Pamela’s dream was to engage nonprofits in risk management by providing a variety of free or highly subsidized management services as part of the insurance purchase. And then, if together, the claims experience was better than anticipated, we would share that good fortune with the members that made it happen. Our experience since ANI’s founding in 2001 has been terrific. ANI members currently accrue credits toward a dividend plan the company has in place, however, ANI is not yet paying dividends. Its older California affiliate, NIAC, however, has declared more than $12 million in dividends to members since 2007.
Part of ANI’s mission is to provide free risk management services to members. All of the following are FREE for ANI members that purchase the related insurance coverage:
- Driver Training (online, in person, and self-study)
- Free unlimited Employment-related and Pre-termination Consultations
- Free Employee Handbook Service
- Unlimited borrowing privileges from our Audiovisual Library
- Access to our treasure trove of Risk Management materials on our Secure Website
Other services provided at cost or at substantial discount include:
- Our Webinar Series
- BOARDnetWORK, an online tool for your Board of Directors
- Access to discounted Background Check services
Yes, ANI is a 501(c)(3) nonprofit and our nonprofit members and the nonprofit sector are the beneficiaries of our work. We have grown from $10 million in total grants from the David and Lucile Packard Foundation and the Bill & Melinda Gates Foundation to a company rated A- VIg (Excellent) by A.M. Best insuring more than 11,000 nonprofits in 31 states and DC. Everything we do is on behalf of other nonprofits like you.
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