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Insurance Programs

Insurance Coverage Resources
Small Business, Non-Profits and Grant Recipients
FROM: Tracy Flynn, Chief of Risk Management
DATE: November 15, 2024

Based on our research and consultation with our Broker and our insurance consultant, we have compiled the following list as a resource for obtaining required insurance coverage when working with the City of Jacksonville.  These resources are generally geared towards smaller businesses, non-profits and grant recipients and in some instances can be purchased for a term less than the typical one year. Some of the smaller vendors may not be working with a broker, which eliminates some of the options below.  This is a rapidly evolving market and will be updated as new resources become apparent. This list is not endorsed nor has been vetted by Risk Management. Please reach out to Risk Management if you have any questions – we are here to help.

Local Agencies –
  • Cecil W. Powell and Company – General Lines Agency
  • J P Perry Insurance Agency - General Lines Agency
  • Brown & Brown, Inc. - General Lines Agency
Wholesale Market – Requires to be purchased through a broker: Sports Related Retail Market: Nonprofit Markets:
    • Philadelphia -  https://go.phly.com/non-profit-insurance
    • Nonprofits  Insurance Alliance (https://insurancefornonprofits.org/) Will cover Sexual molestation
    • Nonprofit Insurance Services (https://npis.com/) Offer Workers Compensation.
    • Solely with respect to nonprofit organizations, there are some additional retail level resources available the specialize in insurance products for nonprofit organizations, including sexual abuse and molestation coverage. We expect that these providers could be helpful to nonprofit entities as abuse and molestation is much closer to being a “core” coverage for many nonprofit entities.
Sexual molestation coverage is going to be an add-on to the General Liability Policy and premium is based on exposure. While coverage is attainable it comes with some caution outlined below:

From our Broker:  Note on Sexual Molestation coverage which is required when working with children and possibly with the elderly - In our research, we did come across a number of discussions in articles which indicated that abuse and molestation coverage is available from some insurers. We were unable to get specific names or vendors or insurers that provide such coverage at such a price, and we suspect it is often an add-on to an existing liability or package policy. In any case, we want to urge extreme caution with some of these potential low-cost programs that might be out there. There is absolutely no standardization in abuse and molestation liability coverage, and the variations in coverage available can be extreme. Important factors to look at are whether the coverage provides defense costs outside the limits, a separate limit for the coverage if it is added to another policy, high deductibles or self-insured retentions, coinsurance provisions, limitations of coverage to vicarious liability only, and numerous other potential exclusions.
Please consult and Insurance Professional to discuss these details.

Special Events - several of the insurers that write liability coverage for special events, will offer abuse and molestation coverage as an add-on or on a standalone basis if they write the remaining coverage for the event. If the vendor’s insurance agent is unable to procure the coverage, we recommend that they seek out one of the wholesalers or retail options listed above. Below is a site that offers coverage one to multiple day events, i.e. Parties, cookouts, weddings, gatherings.
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