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.


Please browse our eligibility and lines of insurance below.




  • 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

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

Commercial Auto Liability


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

Workers' Compensation


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

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

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

Additional Coverages


  • Crime
  • Excess Liability
  • And more

Who is Eligible

  • Alcohol & Drug Abuse Organizations
  • Association of Retarded Citizens
  • Behavior Healthcare Organizations
  • Children and Family Services
  • Community Action Agencies
  • Crisis Intervention
  • Developmental Disabilities Organizations
  • Federally Qualified Health Centers
  • H.U.D. Housing Assistance Organizations
  • Hospices
  • Hospitals
  • Housing Authorities
  • Juvenile Justice
  • Mental Health Agencies
  • Rehabilitation Facilities
  • Vocational Training and Rehabilitation
  • Charter Schools and other government-funded nonprofits

Any other class which meets Florida’s Statutory Requirements will be considered by underwriting division of NPIS