[vc_row type=”vc_default” margin_top=”-50″ bg_type=”image” parallax_style=”vcpb-vz-jquery” bg_image_new=”id^1014|url^https://www.socialinsuranceadvocates.com/wp-content/uploads/2017/09/iStock-522148424.jpeg|caption^Diverse People Studying Students Campus Concept|alt^null|title^Diverse People Studying Students Campus Concept|description^null” bg_image_repeat=”no-repeat” bg_override=”ex-full” enable_overlay=”enable_overlay_value” overlay_color=”rgba(0,0,0,0.5)” overlay_pattern=”transperant” overlay_pattern_opacity=”15″ css=”.vc_custom_1507521966017{padding-top: 10% !important;padding-bottom: 10% !important;background-color: #000000 !important;}”][vc_column offset=”vc_col-lg-12 vc_col-md-12″ css=”.vc_custom_1476030031960{padding-bottom: 10px !important;}”][ultimate_heading main_heading=”Our Partners” main_heading_color=”#ffffff” sub_heading_color=”#ffffff” main_heading_font_size=”desktop:34px;mobile_landscape:22px;mobile:22px;” main_heading_line_height=”desktop:46px;mobile_landscape:32px;mobile:32px;” sub_heading_font_size=”desktop:58px;mobile_landscape:38px;mobile:30px;” sub_heading_line_height=”desktop:68px;mobile_landscape:48px;mobile:40px;” sub_heading_margin=”margin-top:10px;margin-bottom:20px;” el_class=”accent-title-color” main_heading_font_family=”font_family:Raleway|font_call:Raleway|variant:700″ main_heading_style=”font-weight:700;” sub_heading_font_family=”font_family:Raleway|font_call:Raleway|variant:700″ sub_heading_style=”font-weight:700;”][/ultimate_heading]
[/vc_column][/vc_row][vc_row][vc_column][vc_column_text]ALLIANCE OF NONPROFITS FOR INSURANCE (ANI)
[/vc_column_text][vc_single_image image=”968″ img_size=”medium” alignment=”center”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]ANI Alliance of Nonprofits for Insurance and her big sister NIAC, Nonprofit Insurance Alliance of California, grew from an idea posed by Pamela Davis’, founder, president and CEO. While at UC Berkeley, Pamela presented in her Master’s thesis that instead of relying on insurance companies that were inconsistent in their willingness to provide affordable insurance, she wanted to insure nonprofits were paying their fair share and no more.
ANI was capitalized with $10 million in grants from the Bill & Melinda Gates Foundation and the David & Lucile Packard Foundation.
ANI is a 501(c)(3) risk retention company. A risk retention company is a liability insurance company owned by its members; today they have over 13,000 nonprofit members in 30 states.
Risk Retention groups provide third party liability coverage such as GL, E&O, D&O Medical Liability, Commercial Auto Liability.
These are coverage’s permitted in the Liability Risk Retention Act. The act is a federal law passed in 1986 by congress to help business obtain liability insurance since it had become either unaffordable or unavailable due to the liability crisis in the U.S. in the 1980’s. The nonprofit sector was hit very hard and it was becoming increasingly difficult to obtain insurance.
Since risk retention groups are owned by their members, there are some key advantages relating to the control members have over their liability programs. This control often results in lower rates over the long term.
In the case of ANI, they’ve stayed true to their members in rating; they price for the risk not for the market thus keeping rates stable. ANI’s focus is solely on the nonprofit sector, so they offer specialized coverage’s pertaining to their needs. In addition, ANI members have access to a variety of free services such as Employment Issues Assistance, Personnel Handbook Reviews, Loss Control Assistance, Educational Booklets, Webinar Series and much more. They also have significant discounts on Background Checks, Drug Testing, Disaster Recovery Planning and Motor Vehicle Record Check.[/vc_column_text][/vc_column][/vc_row]