Charity First Insurance Services

What Charity First Insurance Services does

Charity First Insurance Services, Inc. is a privately held specialty insurance program manager and wholesaler founded in 1985 and headquartered at 595 Market Street, Suite 2100, San Francisco, California. The company underwrites and distributes property and casualty insurance exclusively through retail insurance brokers nationwide, holding California Insurance License #0B39059 and operating with 11–50 employees. Its three core programs serve (1) nonprofit and social services organizations (theaters, arts organizations, community clubs, thrift stores, counseling centers, charter schools, YMCAs and similar), (2) religious institutions (offering General Liability, Property, Sexual Abuse/Molestation, Medical Payments, Corporal Punishment, and Pastoral & Counseling Liability), and (3) for-profit commercial accounts including hard-to-place risks.

The product portfolio extends beyond the three flagship programs into specialized coverage lines: Directors & Officers Liability, Employment Practices Liability Insurance (EPLI), Accident Insurance for Volunteers and Participants, Professional Liability, Cybersecurity and data protection, Crime/Fidelity, Workers' Compensation, Commercial Auto, and Hired and Non-Owned Auto. Distribution is enabled by an instant phone quoting line (844.244.1118) and an online rater for commercial accounts, with broker appointment submissions handled via the company website. Technology is operational rather than AI-driven, centered on rater-driven underwriting and broker workflow tools rather than proprietary machine-learning systems.

Charity First generates revenue as a program manager and wholesaler by underwriting and managing insurance programs on behalf of carrier partners and retaining underwriting income plus commissions on premiums placed through retail brokers. Pricing is quote-based and risk-underwritten, with multi-year policy contracts. The firm is privately held and discloses no funding, acquisition, or parent-company history in the source material; a privacy-policy link to ajg.com is consistent with an outsourced service arrangement but does not by itself establish a corporate affiliation.

Name

Charity First Insurance Services

Legal name

Charity First Insurance Services, Inc.

Website

https://charityfirst.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Charity First Insurance Services is a privately held, San Francisco–based program manager and wholesaler underwriting property and casualty insurance for nonprofit organizations, religious institutions, and for-profit commercial accounts, distributed exclusively through retail insurance brokers nationwide.

Ownership category

akta.pro rank

Product category

Specialty Insurance (Nonprofit and Religious Organization Property & Casualty)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Nonprofit insurance
• Property casualty insurance
• Insurance program management
• Insurance wholesale brokerage
• Religious institution insurance

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Premium Income: Charity First generates revenue as a program manager and wholesaler by underwriting and managing insurance programs for retail insurance brokers, collecting premiums from policyholders and retaining a portion as underwriting income.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Charity First Insurance Services operates as a program manager and wholesaler providing property and casualty insurance solutions to retail insurance brokers for placement with nonprofit organizations, religious institutions, and for-profit commercial accounts. Its core offering is an exclusive nationwide specialty insurance program for nonprofits and social services (theaters, arts organizations, community clubs, thrift stores, counseling centers, non-profit and charter schools, YMCAs), complemented by a comprehensive religious institution program and broader commercial coverage accessible via instant phone quoting or online rater.

Product overview

Charity First Insurance Services operates as a program manager and wholesaler offering a comprehensive portfolio of property and casualty insurance products. Their core offerings include three main insurance programs: (1) Nonprofits & Social Services Insurance—an exclusive specialty program for theaters, arts organizations, community clubs, thrift stores, counseling centers, charter schools, and YMCAs; (2) Religious Organizations Insurance covering General Liability, Property, Sexual Abuse/Molestation, Medical Payments, Corporal Punishment, and Pastoral Counseling Liability; and (3) For-Profit Commercial Insurance for business accounts. Supporting these core programs, they provide specialized coverage lines including Directors & Officers (D&O) Liability Insurance, Employment Practices Liability Insurance (EPLI), Accident Insurance for Volunteers and Participants, Professional Liability Insurance, Cybersecurity Coverage, Crime Coverage, Workers' Compensation, Commercial Auto Insurance, and Hired and Non-Owned Auto Coverage. The company markets products nationwide through retail insurance brokers, with services available via instant phone quoting and online rater for commercial accounts.

Differentiator

Problem solved

Functional benefit

Products and services

• Nonprofits & Social Services Insurance Exclusive nationwide specialty insurance program providing property and casualty coverage solutions for theaters, arts organizations, community clubs, thrift stores, counseling centers, non-profit and charter schools, and YMCAs. Distributed through retail insurance brokers.
• Religious Organizations Insurance Insurance program providing General Liability, Property, Sexual Abuse/Molestation, Medical Payments, Corporal Punishment, and Pastoral & Counseling Liability coverage for religious institutions.
• For-Profit Commercial Insurance Comprehensive, competitively priced insurance coverage for commercial for-profit businesses, including hard-to-place risks, available via instant phone quoting and an online rater.
• Directors and Officers (D&O) Liability Insurance Liability coverage protecting directors, officers, and trustees against actual or alleged wrongful acts in governance, fiduciary duties, and employment practices.
• Employment Practices Liability Insurance (EPLI) Coverage protecting nonprofits from claims when employees allege violation of their legal rights, including wrongful termination, discrimination, and sexual harassment.
• Accident Insurance for Volunteers and Participants Accident medical insurance designed to pay medical bills and deductibles when volunteers are injured while acting on behalf of the organization.
• Cybersecurity Coverage Comprehensive cybersecurity and data protection coverage customized to meet the individual needs of nonprofit clients.
• Crime Coverage Fidelity protection coverage helping nonprofits recover from financial loss due to fraud, employee dishonesty, and theft.
• Professional Liability Insurance Professional liability coverage tailored to specific fields for organizations providing professional services such as counseling, legal, and financial advice.
• Workers' Compensation Coverage Workers' compensation coverage for nonprofit employees.
• Commercial Auto Insurance Auto insurance coverage for nonprofit organizations, including organization-owned vehicles and considerations for volunteer drivers.
• Hired and Non-Owned Auto Coverage Coverage serving as backup protection when volunteer drivers' personal policies fall short, covering hired and non-owned vehicle usage.

Quantifiable outcome

• Nationwide coverage availability for nonprofit programs

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• GuideOne Insurance: GuideOne is a specialty mutual insurer focused on churches, religious organizations, and nonprofit K-12 schools, directly comparable to Charity First's religious institutions and nonprofit school coverage lines.
• Philadelphia Insurance Companies: Philadelphia Insurance Companies (a Tokio Marine HCC company) underwrites specialty P&C programs for nonprofits, social services, and religious organizations, directly competing with Charity First in the same nonprofit and human services verticals.
• Church Mutual Insurance Company: Church Mutual specializes in P&C insurance for religious institutions, camps, and related faith-based organizations, directly overlapping Charity First's religious institutions program including pastoral liability and abuse coverage.
• Nonprofits Insurance Alliance Group: NIAG is a specialty P&C carrier exclusively serving nonprofit and social service organizations through a reciprocal exchange structure, directly competing in Charity First's flagship nonprofit and social services segment.
• Hiscox Insurance: Hiscox specializes in small commercial and hard-to-place risks including nonprofits and professional services, with an online quoting platform that competes directly with Charity First's instant quoting and online rater capability for for-profit commercial lines.

Broad incumbents

• Brown & Brown, Inc. Brown & Brown is a large national insurance brokerage with specialty programs for nonprofit, religious, and human services organizations, offering comparable P&C placement capabilities across the same verticals Charity First serves.
• AmTrust Financial Services: AmTrust underwrites specialty P&C programs including workers' comp, commercial auto, and small commercial accounts, with program management capabilities that overlap with Charity First's multi-line specialty program approach.
• Markel Insurance: Markel is a specialty insurer with programs covering nonprofit, religious, social services, and hard-to-place commercial risks through both direct and wholesale distribution, providing a broader portfolio alternative for brokers placing similar business.
• Arthur J. Gallagher & Co. Arthur J. Gallagher is a global insurance brokerage and risk management services firm with specialty practice areas for nonprofit and religious institution clients; Charity First's website privacy link points to ajg.com, suggesting a possible distribution or affiliation relationship.
• Marsh McLennan: Marsh is a global insurance brokerage and risk advisory firm with dedicated nonprofit, religious, and social services practice groups, providing specialty program placement that overlaps with Charity First's broker-facing wholesale role.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/charityfirstinsurance
• LinkedInlinkedin.com/company/charity-first-insurance-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Charity First Insurance Services