Frequently Asked Questions
What is NPIP?
The Non Profit Insurance Program (NPIP) is an insurance cooperative created and managed by its members that provides a financially consistent and stable product, with best-in-class insurance and risk management services. Our Mission: Created by and for nonprofit organizations, the Non Profit Insurance Program provides risk management solutions and stable, affordable insurance.
What is insurance pooling and what are the benefits?
Insurance pooling is an insurance option intended to transfer risks from an individual to a larger group with the basic operating principle of “strength in numbers”. This option provides more buying power in the insurance market, stable and predictable rate increases as possible, increased resources to prevent and manage losses, and a community of like-minded members who are all in for the same reasons. NPIP offers these benefits and more to our members.
What is your coverage model?
NPIP provides comprehensive coverage from commercial property, general liability, and wrongful acts coverage to equipment breakdown, business auto, and more. NPIP carries a Self-Insured Retention (SIR) and purchases various excess insurance policies to cover losses that may exceed the self-insurance layer, to protect the program and its members against any catastrophic claim. In addition, NPIP’s assets are protected against an abnormally high frequency of claims that may occur during a given year through its aggregate stop loss policy which helps ensure the amount paid towards claims is capped in any one year and will likely never exceed a predetermined amount.
What services do you provide?
Aside from our basic services providing underwriting, pre-litigation recommendations, risk management, and claims management, NPIP also offers the following services at no additional cost to members: Services and Partners Pages
How do I join?
NPIP’s structure requires broker representation for all members, so please speak to your broker about membership. Any broker can access NPIP to provide you a quote, through our Sales and Marketing team; additional information and applications can be found on our Coverage page.
How is NPIP structured and governed?
NPIP is governed by a Board of Directors, all of which are members of NPIP and elected by the membership. To learn more about the current NPIP board members, please visit the Board of Directors page. NPIP hires a program administrator for daily operations in program management, member services, and claims administration, as well as brokerage services.
Who has voting rights?
All members select a ‘Member Designee’ to represent their organization, vote in Board of Director elections, and receive email communications from the pool regarding renewal, updates, services, and other resources.
How do I get involved?
NPIP is by nonprofits, for nonprofits, and grows through membership involvement. If you wish to learn more about serving on the Board of Directors, please contact Taylor Montgomery at tmontgomery@chooseclear.com. For other ways to get involved, please consider attending our conferences, regional events, engaging with our services and partner resources, working closely with your broker, and reaching out to us to provide feedback.
Who is Clear Risk Solutions?
A Program Administrator that provides administrative, risk management, third party claims administration (TPA), and insurance brokerage services on NPIP’s behalf. They have specialized in risk pooling for over 40 years and also serve several other pools in Washington for school districts, municipalities, and counties. They work on NPIP’s behalf to secure necessary coverages, provide risk management experts for members, handle all claims and underwriting services, and work closely with the Board of Directors regarding pool initiatives, regulatory compliance, legislative matters, and more.
How does NPIP create a lasting, positive impact?
NPIP works with and for its members to provide risk management services and various resources to help the members of NPIP operate securely and with NPIP’s mission in mind. We include many educational outlets, articles, trainings, and other partnerships as part of the NPIP membership with no additional cost to our members, as well as providing clear communication of the pool’s operations and what to expect each renewal.
What states do we offer insurance in?
NPIP currently operates exclusively in Washington State, however we are always working to expand our operations to other states. Stay tuned to learn more about our expansion efforts.
Who do I contact if I have a question with coverage, building inspections, employee issues, etc.?
Please see our list of contacts here.
Is NPIP financially secure?
Yes, NPIP is financially secure – information for members on our independent audits and Annual Membership Report are both available here.
How can I subscribe to your mailing list to receive regular member communications?
Per state requirements, each NPIP member is required to designate a primary member contact to receive regulatory notices. However, everyone is welcome to sign up for NPIP communications! Simply fill out the short form via the following link to subscribe.
Broker-Specific FAQs:
How do I submit a BOR?
Please submit your BOR letter, signed by the member, to our office, endorsements@chooseclear.com, and we will process the change on our end. If the member has waived the 10-day waiting period, please have them indicate that in the letter or via email.
What supplemental applications will my client need?
Our Supplemental Applications are available on our Coverage page, that might pertain to your client. You can determine which you’ll need during the process of answering the General Application questions. Underwriting may request additional supplemental applications during the quoting process.
What is NPIP’s policy term start date?
NPIP’s policy terms are one year long, and the policy year starts on June 1 of each year and ends May 31 of the following year.
Where do I pull loss runs for my clients?
Loss runs can be requested from our office by emailing claims@chooseclear.com. Please provide the name of the member you’re requesting for, as well as a timeline for the number of years you would like included.
How do I request an endorsement change for my client?
Please fill out the downloadable form listed on the Underwriting page and be sure to include the change requested, an effective date for the change, and any pertinent information. Our office can help you with any other information that might be needed in order to process the request.
How do I request a certificate of coverage for my client?
Please fill out the downloadable form listed on the Underwriting page, listing the name of the certificate holder, their mailing address, what the certificate is regarding and if the certificate holder requires an additional endorsements. Our office can help you with any other information that might be needed to process the request.