White Paper
The Auto Liability Squeeze
A 2026 Field Guide for Nonprofit Social Services
14 Pages (PDF)
Commercial auto losses. Rising liability severity. Shrinking umbrella capacity.
Nonprofit social services organizations are facing one of the most challenging insurance environments in years. This guide examines the trends driving premium increases, underwriting scrutiny, and shrinking coverage options—and what leaders can do to prepare.
WHAT'S INSIDE
13 Years of Commercial Auto Losses
Why rates continue to rise even for organizations with clean claims histories.
The HNOA Blind Spot
How employee-owned vehicles create hidden liability exposure.
Nuclear Verdicts & Shrinking Umbrellas
Why excess coverage is becoming harder to obtain and more expensive to maintain.
What Underwriters Now Require
How carriers are evaluating distracted driving controls, telematics, and fleet risk.
50%
have seen premiums double since 2019
1 in 4
saw increases of 200–800%
63%
changed carriers in the last five years
2/3
report difficulty obtaining quotes