Nonprofits Insurance Alliance (NIA) is a group of cooperative 501(c)(3) nonprofit insurance organizations that specialize in providing liability and property insurance exclusively to other nonprofit organizations. Founded in 1989 by Pamela Davis, NIA was established to address the challenges faced by nonprofits during the liability insurance crisis of the 1980s, when many were left without affordable coverage[1][2]. ### Key Components of NIA - Nonprofits Insurance Alliance of California (NIAC): Provides liability insurance to nonprofits in California[1][2]. - Alliance of Nonprofits for Insurance, Risk Retention Group (ANI): Offers liability insurance to nonprofits outside California[1][2]. - National Alliance of Nonprofits for Insurance (NANI): Provides property reinsurance[1][2]. - Alliance Member Services (AMS): Offers support services to the other companies in the group[1][2]. ### Mission and Services NIA's mission is to provide a stable source of reasonably priced insurance tailored to the specialized needs of nonprofits. It also assists in developing and implementing successful loss control and risk management programs[2][5]. NIA offers a range of coverages, including commercial general liability, directors and officers liability, and property coverage, along with free and highly discounted risk management services[3][4]. ### Operations and Impact NIA currently insures more than 27,000 nonprofits across 32 states and the District of Columbia[2][4]. It operates on a model where nonprofits are both policyholders and owners, ensuring that savings are passed back to members through fair pricing and dividends[2].