There are over 1.6 million nonprofits in the United States and the number grows by 5% each year. These organizations have a unique needs that standard commercial lines coverage forms and commercial lines underwriting often do not properly address. Coverage needs to include: property, general liability, professional liability, abuse & molestation, automotive liability, workers comp, accident & health, directors & officers liability, employment practices liability, and special events liability. This explanation of insurance benefits is provided by Insurance Marketplace.