Finding the right solutions for your unique organization
As your dedicated partner, our team will take the time to truly understand your organization’s unique goals and needs. Our decades of expertise will help guide you through the details of your policies to build a program that ensures you get the right coverage. We simplify the complex so you can stay focused on achieving your mission with peace of mind.
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NPIA specializes exclusively in nonprofit insurance solutions, delivering coverage and support tailored to the unique missions, operations and risks of charitable organizations.
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NPIA designs and develops specialized alternative risk programs created specifically for nonprofit organizations. These include custom‑built structures such as self‑insured pools, captives and other innovative program development solutions that help nonprofits achieve long‑term stability and cost savings.
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As both a third-party administrator (TPA) and managing general agent (MGA), NPIA provides end‑to‑end program administration to ensure smooth operations, consistent responsiveness and high‑quality service for all participating organizations. These services include:
Comprehensive program oversight
Claims management and monitoring
Member service and support
Regulatory and reporting compliance
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In addition to its specialized risk programs, NPIA offers full-service insurance agency capabilities for nonprofits to secure appropriate, cost‑effective coverage tailored to their missions. These services include:
Expert insurance consulting and strategic guidance
Policy placement across traditional carriers when appropriate
Ongoing client service and support
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To help nonprofits reduce exposure and improve operational safety, NPIA provides a range of risk management tools and support to prevent losses and strengthen program outcomes. These resources include:
Educational materials and best‑practice resources
On‑site loss control visits and safety evaluations
CARF-certification recommendation letters
Customized risk assessments and guidance
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Leveraging decades of insurance experience, NPIA developed a comprehensive Policy & Claims Management System. Available for relicensing to other program administrators, the system provides administrators with a robust, efficient and purpose‑built solution for managing program operations. The software supports:
Policy quoting and issuance
Claims tracking and management
Secure user portals for policy and claims access
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NPIA serves as a captive manager by offering organizations access to an established captive structure, allowing them to achieve the benefits of captive insurance without the complexity of forming and operating one independently. This approach offers nonprofits a cost-effective way to participate in a captive program, supported by professional management, regulatory compliance and ongoing administration.
Nonprofit Insurance Trust
NPIA is the third-party administrator of the Nonprofit Insurance Trust with coverage tailored specifically for Minnesota's 501(c)(3) organizations. This trust was established to manage self-insurance pools for a variety of entities such as community mental health centers, nonprofit schools and social service organizations. By pooling the risks of its members, the trust provides stable property, liability and workers' compensation coverage while offering dedicated support in risk management and claims administration.
NP Insurance Group, LLC
The NP Insurance Group is a property and casualty member cooperative exclusively for Midwest 501(c)(3) nonprofits. NP Insurance Group streamlines the insurance process by overseeing underwriting and policy administration for the unique risks faced by nonprofits. Operating as an exclusive independent insurance agency, it provides member nonprofits with tailored coverage solutions and direct access to specialized insurance markets across the Midwest.