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Coverages

Services Coverages

Specialized Insurance Solutions for Non-Profits

Florida Insurance Trust (FIT) does not perform any direct sales but instead utilizes independent agents. This process is overseen by our program administrator, Non-Profit Insurance Services, Inc. (NPIS). FIT through NPIS has established preferred agents throughout the state of Florida to represent our program. These agents have been educated and specialized in the insurance needs of the non-profit community.

For more information or a list of preferred agents, please contact Peter Herron-Brown at (888) 794-7771 or (407) 936-2132

All active FIT members qualify for the FIT Health program.

Property Coverage

  • 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

General & Professional Liability

  • Commercial General Liability
  • Employee Benefits Liability
  • Miscellaneous Professional Liability
  • Sexual/Physical Abuse or Molestation
  • Special Events Coverage
  • Physicians’ Coverage
  • Per occurrence and general aggregate

Health Insurance Coverage

  • Individually rated, customized plans
  • Preferred pricing on medical plans
  • Statutory
  • Online Enrollment
  • HRA / HSA / FSA / COBRA options
  • Self-insured options are available

Auto Liability Coverage

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

Cyber Liability Coverage

  • 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

D&O / EPLI Liability Coverage

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

Workers' Compensation Coverage

  • Employers Liability
  • Statutory Benefits to include medical, indemnity, death, etc.