Experience That Helps Clients Make Savvy Insurance Decisions

The name Forrest T. Jones & Company has been synonymous with insurance for nearly 70 years. It's those decades of experience that allow FTJ Business Insurance to provide cost-effective solutions to a variety of enterprises, including nonprofit organizations, accounting and consulting firms, and occupational therapy practices of all sizes.

“Purchasing business insurance through Forrest T. Jones & Company gives me the assurance that our association professional liability insurance, workers comp, and ERISA bond are all up-to-date and sufficient to provide our association, board, and staff the protections we need and must have. I'm not an insurance expert; but, the FTJ staff are! FTJ gives me peace of mind related to our business insurance needs.”

Wm. Jay Jackman, Ph.D., CAE
Executive Director
National Association of Agricultural Educators

Our licensed agents have more than 120 years of combined experience in business insurance. Our vast knowledge of insurance allows us to help clients make informed decisions about coverage options and policy limits, which in many cases results in substantial savings.

We're pleased to work with your organization on a single insurance program, or handle all your insurance needs.

When FTJ Business Insurance handles all your insurance coverages, you benefit in several ways:

Familiarity. One call connects you to one agent who is knowledgeable about all your insurance policies.
Safety. Managing your entire insurance portfolio allows us to eliminate overlapping protection while also assuring that there are no coverage gaps.
Convenience. We can arrange for common billing dates and coverage periods on all your policies, or arrange payment cycles that are advantageous to your organization.

The staff of FTJ Business Insurance is based in the Washington, D.C., metropolitan area, home to many of our clients that are national membership associations.

Whatever insurance protection your organization needs, FTJ Business Insurance has the expertise and capacity to provide responsive, professional service.

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General Liability

Through our unique relationship with underwriters, FTJ can provide favorable pricing and flexible policy design to our association customers.

Our General Liability and Property Package is specifically designed for not-for-profit organizations, Professional Services and Technology Services. This means broader coverage for associations and less likelihood that a risk will go uncovered.

Our relationship with our carriers grants us authority to issue Certificates of Insurance, thus saving your organization valuable time. This is an important element that must be satisfied when contracting with hotels, meeting sites and convention centers.

“Forrest T. Jones went above and beyond in helping us find insurance for our unique commercial property which no other insurance companies would consider. The staff was very professional and provided great customer service.”

DUE,LLC

The Package Policy provides comprehensive liability coverage for your association/business, including general liability, business personal property, monetary losses, and building expenses.

General Liability:

Bodily Injury
Property Damage
Personal & Advertising Injury
Medical Expenses
Non-owned/Hired Automobile Liability

Automatic additional insured: Coverage is automatically provided when required in written contract, agreement, or permit. (Convention Centers)

Premises and Operation Liability: Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business operations. This would include hotels, convention centers where your conference or conventions are held.

Property Package includes (if applicable):

Building Replacement Coverage
Business personal property
Valuable papers and Accounts receivable
Business income loss
Employee Dishonesty (Theft) Coverage
Business Computers & Media (Data) Equipment Coverage
Rental car physical damage coverage
Fine arts
Choice Extra Endorsement Automatically included in all quotes (See Attached PDF)

A full list of coverage options and limits will be provided with an instant online quotation.

This description of coverage is intended as a general overview and does not represent how the Comprehensive General Liability Package policy will respond in every situation. Please read all policy language carefully for coverage terms and conditions.

Application (PDF)

Association Professional Liability Plan

The Association Professional Liability Insurance (APLI) is designed specifically for associations. Through FTJ, it provides broader protection in several important areas when compared with traditional Directors & Officers (D&O) policies. APLI covers:

“Forrest T. Jones business insurance provides the ITEEA with outstanding coverage and service at a very reasonable cost. Our entire association membership benefits from the FTJ insurance plans that perfectly accommodate our wide variety of business insurance needs. We respect everyone we work with at FTJ and confidently rely on their expertise!”

Steve A. Barbato

An association’s directors, officers, employees, volunteers and committee members. That’s particularly important in the nonprofit environment, where administrative decisions can extend throughout an organization.
The association itself as legal entity when named as a defendant, which is a current trend in litigation. Traditional D&O policies may only cover legal actions against individuals.
Wrongful termination and employment-related lawsuits, including defense costs.

Other policy features include: first-dollar defense for qualifying accounts; prior acts coverage; third-party coverage; broad definition of employees (volunteers, leased, seasonal and part-time) as Insured Persons; non-monetary relief is part of the definition of a claim; and up to $500,000 in sublimit coverage for defense of claims under the Fair Labor Standards Act.

These are just a few of the APLI Plan features that benefit associations. Ask your FTJ agent about others.

This description of coverage is intended as a general overview and does not represent how the Association Professional Liability Plan will respond in every situation. Please read all policy language carefully for coverage terms and conditions.

Application (PDF)

Convention Cancellation Plan

If revenue from an annual conference is a line item in your association's budget, you need convention cancellation insurance.

Think of the predicament you'd be in if that revenue disappeared or declined sharply. FTJ's Convention Cancellation Plan protects against losses due to weather, natural disasters, terrorism, labor disputes or threats, which result in convention cancellation, interruption, postponement or reduced attendance.

“The Association for Education and Rehabilitation of the Blind and Visually Impaired is a long-time customer of Forrest T. Jones' business insurance products. We appreciate the quality of the products we use and are very pleased with the fast, efficient service.”

Ginger Croce

In addition, this plan covers:

Collapse of roof or flooding at a convention facility (including costs to reschedule);
Costs incurred to avoid or minimize loss;
Unscheduled workshops, seminars and planning meetings under $50,000;
Physical loss of business personal property at the venue or while in transit;
Non-appearance of a principal speaker or entertainer;
Failure to vacate the event facility on time;
Claims for damages, costs or compensation by the owners or management of the convention facility.

This description of coverage is intended as a general overview and does not represent how the Convention Cancellation Plan will respond in every situation. Please read all policy language carefully for coverage terms and conditions.

Application (PDF)

Cyber Protection Package

It’s not just the big companies that have to be prepared for a potential cyber attack. In fact, 43 percent of all data breaches targeted small firms in 2015, compared to only 13 percent in 2011.* If your organization uses the internet, maintains a social media presence, handles electronic payments or keeps personal data on clients or employees, you should consider cyber coverage. Our cyber liability insurance for associations and non-profit agencies offers a comprehensive package that covers your potential losses and liability for customer data breaches with limits up to $10 million.

Here’s a summary of what’s covered:

First Party Coverages – Insured for restorations costs when a breach damages data assets. Other expenses covered include legal, forensics, notification and identity theft prevention. Also included in the coverage are PCI (Payment Card Industry) violations, network disruptions that lead to lost profits and extra costs, reputational harm that leads to lost profits, and protection from cyber criminal activity, such as extortion and fraudulent electronic fund transfers.
Liability Coverages – Your organization is insured against privacy-related and network security lawsuits, which range from malicious code transmissions to inaccessible systems and business impersonations. Also covered are defense costs related to regulatory fines and consumer restitution, as well as media lawsuits that include defamation and copyright infringement.
Public Relations Coverages – We take a proactive approach to data breaches or claims made against your organization that are covered. With the help of PR consultants, we also help mitigate damage to the brand due to hackers or phishing attacks.

We also offer a menu of optional coverages that you can pick and choose based on your organization’s needs. Examples include eliminating sublimits on various claims and fines, a broader definition of what computers are covered, and multimedia liability. Third-party coverage protecting groups liable for additional losses incurred by clients is also available.

*Symantec, 2015 Internet Security Threat Report

A full list of coverage options and limits will be provided with an instant online quote.

The description of coverage is intended as general overview and does not represent how the Cyber Protection Package will respond in every situation. Please read all policy language carefully for coverage terms and conditions.

Application (PDF)

Errors & Omissions Insurance

You’re in the business of providing professional services and expertise to your group’s members. However, if a problem arises, is your association properly protected from potential damages? That’s where FTJ’s Errors & Omissions plan comes in handy, covering possible risks that are normally are not part of a general liability policy. E&O insurance protects against negligence claims of financial losses to another person or firm, as well as covering the legal costs to contest those claims. FTJ can provide protection up to $20 million.

Some of the plan’s features include:

Definition of professional services tailored to each risk, standards/ accreditation/ certification, technology and publishing.
Punitive damages with most favorable venue provisions where allowed by law and clause giving insured more control over settlement.
Innocent officers and employees insured for conduct of “rogue” employees.
Coverage for expenses related to claim proceedings.
Negligent discrimination in the conduct of professional services and a carve-back that provides a defense for claims of intentional harassment, misconduct or discrimination until final adjudication.
Coverage for a wide variety of professional classes and firms of all sizes, with a $1,000 minimum premium for a limit of $1 million.

Split limits for each wrongful act is an optional feature. Other options include coverage for: prior acts; defense for regulatory actions; crisis management and public relations expense; and enterprise privacy.

A full list of coverage options and limits will be provided with an instant online quote.

The description of coverage is intended as a general overview and does not represent how the Errors & Omissions plan will respond in every situation. Please read all policy language carefully for coverage terms and conditions.