Why choose IOA for association insurance?
IOA guides professional, trade, and social associations in managing unique risks like event hosting, membership data management, and advocacy. Comprehensive coverage safeguards against liabilities, property damage, and professional errors, ensuring operational and financial stability.
Our advisors combine industry expertise with a commitment to community and advocacy, offering thoughtful coverage placement, in-depth knowledge of association risks, dedicated support to ensure solutions evolve with your association’s growth, and value-added services, such as risk assessment and claim advocacy to enhance your insurance experience.
Association insurance markets
IOA serves a broad spectrum of associations across various sectors. This varied client base reflects our ability to understand and help manage each association’s unique risks, providing peace of mind for our clients.
Professional and trade organizations
Faith and charitable groups
Health and welfare entities
Recreation and sports associations
Our association insurance products
IOA’s range of products for associations includes:
Directors and officers
Directors and officers insurance protects company leaders from personal liability for decisions made on behalf of the organization.
Employers liability
Employers liability insurance covers workplace injury-related claims that are not covered by workers compensation.
General liability
General liability insurance covers bodily injury, property damage, and personal injury claims arising from business operations.
Contingency
Contingency insurance protects businesses against risks related to events, including cancellations and weather-related disruptions.
Commercial auto
Commercial auto insurance offers protection for business-owned vehicles, covering liability, physical damage, and risks unique to commercial transportation.
Workers compensation
Workers compensation insurance covers employees’ medical expenses and lost wages resulting from work-related injuries or illnesses.
Commercial umbrella
Commercial umbrella insurance extends the coverage limits of primary policies, offering an additional layer of protection against large claims.
Excess liability
Excess liability insurance provides additional coverage above the limits of underlying policies, offering extended protection against high-value claims.
Cyber liability
Cyber liability insurance helps businesses recover from incidents like data breaches, ransomware, and regulatory penalties.
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