ZAS NOT FOR PROFIT - 
              Underwriting Guidelines

ZAS for the Not-for-Profit industry is able to consider a wide variety of Religious and Social Service organizations.  We can access a highly automated small business underwriting and rating platform (BOP) and a conventional middle markets platform, including guaranteed cost and deductible programs, as well as Group Captive solutions. . Click here to contact us for assistance.

• Financially sound

• Profitable loss history

• Board of directors and executive management team with at least 3 years experience

• Buildings 4-stories and more must be sprinklered

• Hard wired smoke detectors required for all habitational exposures

• No coastal property, tier-one wind counties, 25 miles from shore

• No EQ in high-risk zones, EQSL may be available

• Fire extinguishers must be readily accessible

• Buildings built before 1980 must have been updated

• Roof, electrical, HVAC, plumbing, all in good condition

• Life Safety Issues Addressed

• Smoke detectors, Sprinklers, Multiple means of egress, Emergency lighting, Pool fencing, Other building features

• Paved surfaces, Parking lots and general maintenance in good condition

• Background checks

• Adequate supervision, policies, procedures, record keeping

• Driver controls

• MVRs, Experience, Volunteers

• Vehicle controls

• Maintenance, 15 Passenger vans, Buses

• Safety Program

• Operations and Controls

• Material handling, Driving, Client interaction, etc.

• Mod History