S. Wolf & Associates

S. Wolf & Associates is an insurance agency that specializes in working with non profits. We write all lines of property and casualty as well as employee benefits. S. Wolf & Associates believes the mission should be a non profits only concern. Contact us for insurance made simple.

You are bilingual, you speak insurance and english.
— Juvenile Protective Association

Below you will find some of the common lines of coverage in which we specialize. We are not limited to these options so please feel free to get in touch with us to discuss other types of coverage.

General Liability- commercial general liability insurance may provide coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury or advertising injury to a third party. This is typically the “core” coverage for a nonprofit. We provide this on an “occurrence” policy, not a “claims-made” policy.

  • Workers Compensation- Insurance that protects employees under state laws, and provides medical care, death, disability and rehabilitation benefits for workers who are injured or killed while on the job.

  • Directors and Officers- A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. In effect, the policies function as "management errors and omissions liability insurance," covering claims resulting from managerial decisions that have adverse financial consequences. 

  • Employment Practices Liability-  A type of liability insurance covering wrongful acts arising from the employmentprocess. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.

  • Participant/Volunteer Accident- Accident insurance provides a limited amount of coverage for injury to a volunteer or participant (depending on the specific coverage purchased) on a no-fault basis. It is not workers’ compensation coverage! 

  • Travel Accident & Travel Medical - Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one's own country.

  • Special Event Coverage- In its simplest definition, special event coverage is general liability insurance for injury to spectators or attendees at a wide variety of social, civic and club events. 

  • Liquor Liability- Provides coverage for bodily injury or property damage for which you may become legally liable as a result of contributing to a person's intoxication. 

  • Business Auto- Commercial Auto coverage may include liability only or may also provide physical damage coverage. The liability portion covers damage to other vehicles or property and injury to others in accidents for which you are at-fault. Auto physical damage covers repair of vehicles you own.

  • Non-Owned/Hired Auto- If your employees or volunteers use their own vehicles on company business, this coverage is highly recommended. The purpose of this policy is to provide liability coverage in excess of an individual employee’s or volunteer’s auto insurance

  • Crime- A commercial crime policy typically provides several different types of crime coverage, such as: employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage

  • Professional Liability- Insurance is a necessary safeguard for any business that offers guidance, counsel, or services to clients. 
  • Commercial Property- Property coverage is purchased to protect the physical assets you own or lease such as buildings, office equipment, computers, furniture,  etc. When considering property coverage, it is important to have a thorough inventory of all physical assets, and to make sure the property is accurately valued and adequate coverage limits are purchased.
  • Plate Glass Coverage- The extensive use of plate glass in modern architecture has produced a special comprehensive insurance that covers not only plate glass but glass signs, motion-picture screens, halftone screens and lenses, glass bricks, glass doors, and so forth. It may be written to cover loss from any source except fire or nuclear radiation.
  • Bond- Fiduciary/Fidelity- a fidelity bond provides coverage for dishonest and/or fraudulent acts of employees that could arise in the course of handling money or securities of others. A fidelity bond may also be referred to as an employee dishonesty bond. 

  • Notary Public- NNA Notary Errors and Omissions (E&O) Insurance is liability coverage designed to protect your personal and professional assets in the event you make a mistake during the notarial process that causes your client to suffer financial loss.

  • Cyber Liability- The cyber liability  term "cyber liability insurance cover" is often used to describe a range of covers - in very much the same way that the word cyber is used to describe a broad range of information security related tools, processes and services.

  •  Unemployment savings program- (non-profit only) 

Employee Benefits (Group sponsored & voluntary plans):      

  • Group medical/marketplace
  • Dental 
  • Life
  • Short term disability
  • Long term disability
  • Vision