Florida Insurance Trust

FIT has grown from its 3 charter members to a membership of over 200 of the most respected Social Service companies in the State. This consistent growth confirms the Trust’s belief in its mission; “Protecting those who serve others”. FIT does this by providing superior insurance coverage, cost, and services to our members.


Holiday Miracle Contest


In the ten year period since Governor Crist signed into law Florida Statute 624.4625., FIT has grown from its 3 charter members to a membership of over 200 of the most well respected Social Service companies in the State. This consistent growth confirms the Trust belief in it’s Mission; “Protecting Those Who Serve Others“. FIT does this by providing superior insurance coverages, cost, and service to our members.

When FIT received authorization from the Florida Office of Insurance Regulations on June 8, 2007, to begin operations it became the first Trust in Florida specifically designed to serve Florida’s not-for-profit community. In fact, because of the very high standards required by the State to operate as a Trust, FIT remains the only one.

As the Trust enteres its TENTH year of operations, the Board of Directors sat down to discuss the attributes that have allowed FIT to experience its unheard of success rate (98% retention rate). We believe this success can be attributed to the purchasing power of the group, and the benefit of being able to purchase all lines of coverage from one trusted source.

The Trust is owned by its members and governed by a Board of Directors comprised of its members. This allows the Trust to maintain its sole focus of providing the Best Price, Coverage, and Services to our members.

Services for FIT members are provided by Non-Profit Insurance Services, NPIS. NPIS has been the exclusive service provider since the inception of FIT. For more information regarding FIT, please contact NPIS at 888-794-7771 or (407) 936-2132.




  • Various wind limit /deductibles offered
  • AOP Coverage up to 100 million per member (FIT)
  • No Margin Clause, not confined to schedule
  • Valuation based on replacement cost
  • Valuation for time element to be actual loss sustained
  • Special form, all risk policy
Commercial Auto Liability


  • Combined Single Limit
  • Medical Payments
  • Uninsured/Underinsured Motorists
  • PIP
  • Comprehensive/Collision
  • Hired/Non-Owned Liability
  • Towing Labor
  • Rental Reimbursement
Cyber Liability


  • Data Breach and Privacy Liability
  • Data Breach Loss to Insured
  • Electronic Media Liability Coverage
  • Breach Mitigation Expense Coverage
  • Business Interruption Reimbursement Coverage
  • PCI Assessments Reimbursement Coverage
Additional Coverages


  • Crime
  • Excess Liability
  • And more
General & Professional Liability

Per occurrence and general aggregate for the following:

  • Commercial General Liability
  • Employee Benefits Liability
  • Miscellaneous Professional Liability
  • Sexual/Physical Abuse or Molestation
  • Special Events Coverage
  • Physicians’ Coverage
Workers' Compensation


  • Employers Liability
  • Statutory Benefits to include medical, indemnity, death, etc.
D&O /EPLI Liability Coverage

Coverage for employment practices liability included as well as civil rights.

  • Broad Definition of Insured
  • Broad Definition of Employment
  • Claims Made Policy
  • Cost of Defense for Hour & Wage Claims
  • Personal Injury Coverage
  • Third Party Coverage
  • Independent Contractors Coverage
  • Entity Coverage
  • Healthcare Organization Coverage Extension
Health Insurance


  • Individually rated, customized plans
  • Preferred pricing on medical plans
  • Statutory
  • Online Enrollment
  • HRA / HSA / FSA / COBRA options

Self-insured options are available

What Our Members Are Saying

Don’t just take it from us, let our members do the talking!

“I have worked with FIT for more than 6 years. This past year, our company placed all of our insurance lines with them. This was due to FIT’s past performance, commitment, responsiveness in handling claims and overall knowledge-base of our organizational needs. Their expertise is second to none in the industry and moving our lines to them this past policy year was an easy decision. I would highly recommend FIT to any Non-for-Profit that is interested in receiving discounted rates and exceptional customers service to consider FIT.”


Senior Vice President of Corporate Operations
Aspire Health Partners

“Thank you for taking great care of us on our insurance needs. The entire FIT team are wonderful to work with. Jennifer Lister and Peter Herron-Brown are both very knowledge in their prospective fields and they happily assist me with any questions or concerns I may have. Most agents wouldn’t answer a phone call after hours to answer policy questions. Regardless of the time or day I call or send an email, both Peter and Jennifer ALWAYS respond timely. Not only do we get great service with FIT but we also get a great policy at a great price. I highly recommend FIT for all insurance needs.”


Reginald D. Jackson, MSHRM
Risk Manager & Insurance Administrator
United Community Options of South Florida

“I have been working with FIT for many years, and continue to be impressed with their offerings, pricing, and the quality of FIT’s services and people.”


Billy Van Ee, PHR, SHRM-CP
Director of Human Resources
Home Safe


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