Investment Advisory Group - We Bridge Margin to Mission for Nonprofits

Property and Casualty Insurance

Investment Advisory Group is pleased to affiliate with AJ Gallagher in providing property and casualty insurance to nonprofits. AJ Gallagher is a leading, global provider of risk management services. In that role, it provides specialists in senior living care with exclusive market and underwriting relationships for complete marketing capabilities. When a client faces a challenge that requires an innovative response, AJ Gallagher is positioned to bring together the best resources from within its organization to develop a cost-effective solution.

All clients who have customers are in the public-serving sector! Our focus with AJ Gallagher is on bringing consultative resources and solutions to nonprofits in order to be sustainable and stable:

  • Risk vs. reward analysis
  • Balancing risk transfer with risk assumption
  • Tailored coverages to meet unique exposures
  • Self-insured benefit strategies
  • Access to the best market partners committed to this sector

Stability, predictability, strong safety net, stewardship, philanthropy - these are a litany of the expressions that reflect our services and our modus operandi.

AJ Gallagher can say with certainty that they are the largest service provider and consultant for the religious and nonprofit sector in the world.

Perhaps AJ Gallagher's greatest asset is their regional network of professionals who are part of their practice group, and living in your community. You can truly focus on your mission and your constituency, knowing that you have a risk management partner that is committed to delivering the breadth and depth of services that AJ Gallagher organization brings to bear.

Arthur J. Gallagher Risk Management Services is a market-maker for the religious and nonprofit sector, forging long-term partnerships with specific global markets, and creating and managing alternative market vehicles/solutions for the benefit of 501 (c) 3 organizations.

As a result, Investment Advisory Group and the Gallagher consultant will bring you the best options for coverage, help you lead a regional or national pooling or risk purchasing vehicle, and ensure that there are no gaps in coverage. Gallagher also brings its full array of risk management and loss control services to bear on maximizing market terms and gaining control of uninsurable areas of your operations.

Insurance Solutions

  • Alternative - Self-insurance, pooling and captives
  • Other market partners for package programs (including E&O and SML), SIRs with loss fund and aggregate stop loss, excess property and liability, SML
  • The church-owned and Gallagher-administered Bishops' Plan Insurance Company property/casualty package for dioceses (two different line slips with different lead underwriters)
  • London proprietary retention (SIR)/layered program for denominations and secular nonprofits
  • Church First program for single risks (www.churchfirst.com)
  • Nonprofit nursing home liability insurance
  • Charity First for secular nonprofits (www.charityfirst.com)
  • NIPC for social service organizations (www.nipc.com)
  • Other market partners for package programs (including E&O and SML), SIRs with loss fund and aggregate stop loss, excess property and liability, SML

Gallagher's Work as Program Administrator, Broker and Consultant

  • Bishops' Plan Insurance Company (Reinsurance Property and Casualty captive domiciled in Vermont)
  • The Ordinary Mutual (West Coast Risk Retention Group for Roman Catholic Dioceses domiciled in Vermont)
  • The United Methodist Property & Casualty Trust (PACT), captive domiciled in Washington, D.C.
  • Charity First Program for ELCA churches
  • EFCA (Evangelical Free Church of America) Program
  • PCG (Pentecostal Church of God) Program
  • Florida United Methodist Risk Management Program
  • The Florida Ecclesiastical Province Program
  • Michigan Catholic Conference Property & Casualty Program
  • Northeast Property Program for Northeast Roman Catholic Dioceses
  • Greek Orthodox Archdiocese of America Program
  • SESBC (Selected Entities of the Southern Baptist Convention) Program

In today's world of increased litigation, it is important to have a broker/consultant as your trusted partner to carefully examine all aspects of coverage.