A Refreshing and Alternative Insurance Specialist for Nonprofits

Are you looking for an alternative source of coverage for Nonprofit Insurance or not satisfied with your existing agent? Let's face it, there are not very many insurance brokers and agents who know what they are doing when it comes to nonprofits, so the search for a knowledgable professional can be challenging.  

​As a specialist, I am in the best position to help you find the coverage you need for your nonprofit organization.  Not only do I have decades of insurance experience, I actively serve the local community on nonprofit boards and commissions.

Insurance Coverage

Nonprofits have many insurance needs.  Here are some of the products in which I can expertly guide you.

General & Professional liability

Per occurrence and general aggregate for the following:

• Commercial General Liability
• Employee Benefits Liability
• Miscellaneous Professional Liability
• Sexual/Physical Abuse or Molestation
• Special Events Coverage

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

D&O / EPLI Liability

Coverage for employment practices liability included as well as civil rights.

• 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

Commercial auto

Coverage

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

Workers COmpensation

Coverage

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

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

Additional coverage options

Coverage

• Crime
• Employee Dishonesty
• Excess Liability / Umbrella
• Builders Risk
• And more

Jon Jepsen at SentryWest Insurance

There seems to be a gazillion insurance agents out there.  Why choose Jon Jepsen at SentryWest Insurance as your nonprofit insurance specialist?  Here are a few reasons to choose a pro.

Why a nonprofit specialist?

It’s important to work with a company that specializes in Nonprofit Insurance - much like a family doctor who completes an EKG on a patient complaining of chest pain only to discover the signs of a heart attack — his family doctor would immediately make arrangements to have him transported to the emergency room and for follow-up treatment to a heart disease specialist.
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So too is the need for organizations to only use agencies that specialize in insuring nonprofit organizations. 

Jon Jepsen strives to provide his customers with sound, honest counsel and comprehensive, affordable coverage to fit their unique insurance needs. 

Risk Management

Risk Management is about reducing exposure to risk and preventing loss you may have never even considered.  We will work with you to effective manage your risk and the cost of risk.  Many FREE risk management services will also be offered to you by our carriers, including:

• Loss Control Consulting
• Risk Managment Webinars
• Membership to BOARDnetWORK
• Driver Training
• Disaster and emergency preparedness resources
• On-site safety and occupational health consultation

Free HR resources

The insurance carrier we place you with will likely offer free Human Resource Services for your nonprofit, including:

• Free human resource consultation hotline
• Free FMLA, disability, wage regulation hotline 
• Pre-employment screening assistance
• Discounted HR management system
• Recruiting and training resources
• Employee Handbook Development
• Motor Vehicle Record Checks
• Background Checks
• Drug Screening​
• Vehicle Monitoring

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independent agent

Independent agencies are insurance firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products, and unparalleled advocacy.
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• I cut the b.s. and clarify the fine print, so you know what you're getting.
• I'm free to shop multiple carriers on your behalf, giving you more options ot find the primo coverage.
• ​I'm not just a problem-solving expert, I'm a human!

Easy to contact

You will not find me on the golf course. I love what I do, so I have made it easy to contact me and my office staff.

With a plethora of amazing technology, I can be directly contacted right here on my website and through a phone call, text message, or email.

My experienced account managers and office staff are also available to help and assist with service.

Get started with jon Jepsen

I may end up being the most low-pressure insurance agent you've ever worked with.  And if I can't improve your situation, I'll be up front about it.

If you're interested in working with me or simply need some advice, please do not hesitate to contact me or request a quote:

• Contact Jon
• Nonprofit Quote Request

Frequently Asked D&O Questions

Too many conversations about Non Profit Directors and Officers Insurance deal directly with complex coverage issues – fundamental questions may be overlooked. Here’s an opportunity to get answers to some of those basic questions...

Why do i need this coverage?

Non Profit Directors and Officers are legally responsible for the day-to-day decision-making of their organization.
Corporate responsibility applies to Nonprofits just as it does to For Profit organizations. Whether publicly traded, privately held, or nonprofit, Directors and Officers can be held personally liable for any breach of duty. The products I offer are tailored to safeguard against the exposures Non Profit Directors and Officers face.

What can I losE?

A board member’s personal assets may be at stake in a claim: Retirement savings, investments, a home – even one held in a spouse’s name – could be at risk. Nonprofit Directors and Officers Insurance can protect an individual director or officer’s personal possessions against high-priced litigation and settlements.

What could i be sued for?

Ever have to fire someone? Organizations are now more likely to be sued for discrimination, harassment, or wrongful termination than to suffer a general liability or property loss. In addition, Directors and Officers must always act for the benefit of their organization, avoid any conflicts of interest, and exercise the utmost skill and care in decision-making. Any perceived breach of these duties can result in a suit that will at the very least incur defense costs. Many of our D&O products offer separate limits of liability for Directors and Officers and Employment Practices Liability claims as well as defense costs outside the limit of liability.

Who is going to sue me?

Employees, members, volunteers and donors. These are just a few of the parties who may bring suit against a Nonprofit Organization. Even if a director or officer hasn’t done anything wrong, lawsuits must still be answered and defense can be costly. Nearly 85% of Nonprofits have an annual budget that is less than the average cost to defend a claim closed through litigation. Can a small organization afford to defend itself and indemnify its leadership without Nonprofit Directors and Officers Insurance?

COuld this really happen to me?

It may only take one suit to shut down a Nonprofit Organization forever. In today’s litigious society, defense costs alone can cripple even the most financially stable entity. With the confidence and security of a Nonprofit Directors and Officers policy in place, an organization can concentrate on its mission.

SentryWest Insurance Community Involvement

Alongside quality insurance knowledge, we’re also informed on happenings in the communities in which we live and work. Our staff volunteers their personal time with local organizations while the agency as a whole works with several different charities. A few of the charitable organizations we support include: Huntsman Cancer Institute, Utah Food Bank, Toys for Tots, Susan G. Komen Foundation, Youth Impact of Ogden, The Sandy Club, The Wounded Warrior Project, The Sharing Place, Make-A-Wish Foundation, Meals on Wheels, The Humane Society, Ronald McDonald House