Coverages we write
Protection built for Alaska's mission-driven organizations
We specialize in the unique risks facing non-profits and houses of worship — so your policy actually fits your work.
Why standard policies fall short
Most commercial insurance is designed for businesses that sell products or services. Non-profits and faith communities operate differently — volunteers instead of employees, donated property, community events, vulnerable populations, and boards making decisions without compensation. We understand these distinctions and write policies that reflect them.
For non-profits
Coverage built around your mission
General Liability
Protects your organization against third-party claims of bodily injury or property damage — whether at your facility, a community event, or an off-site program. Includes personal and advertising injury coverage.
- Premises liability
- Event liability
- Volunteer activities
- Personal & advertising injury
Directors & Officers (D&O)
Shields board members, officers, and executives from personal financial liability arising from decisions made on behalf of the organization. Essential for any non-profit with a governing board.
- Board member protection
- Employment practices coverage
- Defense costs
- Wrongful act coverage
Property Insurance
Covers your building, contents, equipment, and donated property against fire, theft, vandalism, and Alaska's weather-related risks including freeze damage and heavy snow loads.
- Building & contents
- Donated property
- Equipment breakdown
- Business income loss
Workers Compensation
Required by Alaska law for organizations with employees. We make compliance straightforward and ensure your staff is protected if injured on the job.
- Medical expenses
- Lost wages
- Employer liability
- Alaska compliance
Commercial Auto
Covers vehicles owned or regularly used by your organization — including vans used for food delivery, transportation programs, or outreach work.
- Owned vehicles
- Hired & non-owned auto
- Volunteer driver coverage
- Cargo coverage
Umbrella Coverage
An additional layer of liability protection that kicks in when your underlying policy limits are exhausted. Provides peace of mind for large events or high-exposure programs.
- Excess liability
- Broad coverage trigger
- Defense costs
- Catastrophic event protection
For houses of worship
Coverage that understands your congregation
Church Package Policy
A comprehensive bundled policy designed specifically for faith communities — combining property, liability, and specialized coverages into one streamlined package.
- Building & contents
- General liability
- Pastoral counseling liability
- Religious artifacts coverage
Abuse & Molestation Coverage
Critical protection for any organization working with children, youth, or vulnerable adults. Covers defense costs and settlements arising from allegations of abuse or molestation.
- Defense costs
- Settlement coverage
- Retroactive coverage options
- Crisis management support
Directors & Officers (D&O)
Protects church leadership, elders, deacons, and board members from personal liability arising from governance decisions — including employment disputes and financial decisions.
- Leadership protection
- Employment practices
- Fiduciary liability
- Defense costs
Property & Buildings
Specialized coverage for church buildings, sanctuaries, fellowship halls, parsonages, and their contents — including stained glass, organs, and other items of unique religious significance.
- Sanctuary & buildings
- Religious artifacts
- Stained glass
- Parsonage coverage
Workers Compensation
Coverage for paid staff — pastors, administrators, custodians, and childcare workers. Alaska law requires this for any paid employee.
- Pastoral staff
- Administrative staff
- Childcare workers
- Custodial staff
Commercial Auto
Covers church-owned vehicles and volunteer drivers using personal vehicles for church activities — mission trips, youth outings, and community service.
- Church vehicles
- Mission trip coverage
- Volunteer driver protection
- Youth group transportation
Not sure what you need?
That's exactly what we're here for. Tell us about your organization and we'll walk you through the right coverage — no pressure, no jargon.