Products and Services
Novick Group offers extensive insurance solutions for Non Profits and Associations nationwide. As an independent broker we allow our clients the benefit of having the availability to numerous A+ rated carriers and their products as apposed to just one. Our knowledge base in all Property and Casualty lines as they relate to the Non Profit and Association world is what sets us apart form the competition.

We invite you to explore all our commercial insurance solutions below.
Commercial Package
Referred to as a Package because the policy bundles together a variety of different types of coverages into a single package.
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Commercial Automobile
Regardless of vehicle ownership, associations are still exposed to liability or other expense resulting from operations of autos by other on its behalf. Vehicular operations may result in third party liability claims and/or physical damage to the vehicle leased, owned or operated by the association...
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Employee Dishonesty
Often referred to as fidelity or bonding it is one of several forms of coverage under the Crime policy (others include Depositors Forgery, Money & Securities, Computer Fraud)
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Foreign Package
Like the Commercial Package a Foreign Package bundles together a variety of different types of coverages into a single policy. Because the Commercial Package is limited principally to domestic operations* associations with overseas activities must look to a separate form of coverage.
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Directors & Officers Liability
Nonprofit D&O Liability is the principal source of coverage for claims relating to management, governance and oversight of the organization.
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Professional Liability
Both Package and D&O policies contain exclusions relating to professional services of the association. Standard setting, certification, credentialing and testing are examples of the types of association activities that fall within the scope of most professional services exclusions. E&O and Profes...
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Fiduciary Liability
Often confused with Fidelity (Employee Dishonesty), Fiduciary Liability covers claims relating to the sponsorship and administration of employee benefit and welfare plans. Unlike Fidelity, Fiduciary Liability is not required under Employee Retirement Income Security Act (ERISA). Most associations...
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Travel Accident
Travel Accident insurance is supplemental to not a substitute for Worker Compensation and certain types of employee benefits. Like Worker Compensation it protects insureds while on association business but can also be extended to include both business and pleasure activities.
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Kidnap & Ransom
Even associations with extensive overseas operations and experience are ill equipped to respond in the event one of its employees or volunteers leaders is kidnapped and held for ransom. Under these circumstances there is an urgent need for knowledge of local customs, relationship with local authori...
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Worker Compensation
WC is one of the few types of Property & Casualty coverage required by law. Coverage and rates are set by statute in every state and the District of Columbia. Ohio, West Virginia, Wyoming, Washington and Wisconsin are known as monopolistic states; coverage is provided by a state regulatory body in...
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Meeting Cancellation
Meeting Cancellation Insurance insures against the loss of revenue and extra expense resulting from the cancellation, curtailment or postponement of a meeting due to a covered peril (e.g., a fire at the convention center). Premium is based on gross meeting revenue; many associations also insure so...
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Special Event Liability
General Liability coverage found in the Package is generally limited to routine administration and premises operations of the insured. Premise operations, as the term is used here, means use and occupancy by the association of an office, hotel, conference facility or convention center. Associatio...
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Camp
Camp operations will be excluded under the Package General Liability coverage if known to the underwriter (if camp operations are not disclosed to the underwriter camp related claims will likely be denied).
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