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Florida Insurance Trust

FIT has grown from its three charter members to a membership of over 250 of the most respected Social Service companies in the State.

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Coverage designed to protect against sector-specific risks

Comprehensive insurance solutions tailored to meet the unique needs of non-profits and social services

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Protecting those who serve others

The consistent growth confirms the Trust’s belief in its mission. FIT does this by providing superior insurance coverage, cost, and services to our members

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Florida Insurance Trust

Since 2007, following the enactment of Florida Statute 624.4625 by former Governor Crist, FIT has grown from three charter members to over 250 esteemed social service organizations statewide. This remarkable expansion highlights FIT's unwavering commitment to its mission: “Protecting Those Who Serve Others.” FIT accomplishes this by providing exceptional insurance coverages, competitive rates, and outstanding service to its members.

On June 8, 2007, FIT received authorization from the Florida Office of Insurance Regulation to begin operations, becoming the first Trust in Florida specifically designed to serve the state's not-for-profit sector. Due to the stringent standards required by the State, FIT remains the sole Trust of its kind. As FIT celebrates its eighteenth year, the Board of Directors reflects on the factors contributing to its impressive 98% retention rate, attributing this success to the collective purchasing power and the convenience of acquiring all lines of coverage from a single, trusted source. Governed by a Board of Directors composed of its members, FIT is dedicated to providing the best prices, coverage, and services to its community.

 

Property Coverage

  • Various wind limit /deductibles offered
  • AOP Coverage up to 100 million per member (FIT)
  • No Margin Clause, not confined to schedule
  • Valuation based on replacement cost
  • Valuation for time element to be actual loss sustained
    Special form, all risk policy

General & Professional Liability

  • Commercial General Liability
  • Employee Benefits Liability
  • Miscellaneous Professional Liability
  • Sexual/Physical Abuse or Molestation
  • Special Events Coverage
  • Physicians’ Coverage
  • Per occurrence and general aggregate

Health Insurance Coverage

  • Individually rated, customized plans
  • Preferred pricing on medical plans
  • Statutory
  • Online Enrollment
  • HRA / HSA / FSA / COBRA options
  • Self-insured options are available

Auto Liability Coverage

  • Combined Single Limit
  • Medical Payments
  • Uninsured/Underinsured Motorists
  • PIP
  • Comprehensive/Collision
  • Hired/Non-Owned Liability
  • Towing Labor
  • Rental Reimbursement

Cyber Liability Coverage

  • Data Breach and Privacy Liability
  • Data Breach Loss to Insured
  • Electronic Media Liability Coverage
  • Breach Mitigation Expense Coverage
  • Business Interruption Reimbursement Coverage
  • PCI Assessments Reimbursement Coverage

D&O / EPLI Liability Coverage

  • Broad Definition of Insured
  • Broad Definition of Employment
  • Claims Made Policy
  • Cost of Defense for Hour & Wage Claims
  • Personal Injury Coverage
  • Third Party Coverage
  • Independent Contractors Coverage
  • Entity Coverage
  • Healthcare Organization Coverage Extension
  • Coverage for employment practices liability included as well as civil rights.

Workers' Compensation Coverage

  • Employers Liability
  • Statutory Benefits to include medical, indemnity, death, etc.

Some of Our Trusted Partners & Associations

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