State Unemployment Insurance: How can your organization avoid the high cost of State Unemployment Insurance (SUI) taxes?

August 31, 2020

State Unemployment Insurance: How can your organization avoid the high cost of State Unemployment Insurance (SUI) taxes?


Consider altering the method by which you fulfill that unemployment responsibility to one that also allows greater financial control.


Eligible Organizations

Over 2,100 nonprofit, tribal and governmental entities currently participate in our successful unemployment risk management programs that save money (as much as 40%), are fully or partially insured, and provide greater control over that


They include:

  • Social service organizations
  • Charter and private schools; colleges and universities
  • Healthcare and hospitals
  • Mental health/rehabilitation
  • Native American/Alaska Native tribes and enterprises
  • Local, county and state government entities
  • Religious charities/service
  • Charitable foundations


Underwriting Eligibility Guidelines


  • Available in all 50 states
  • IRS qualified 501c3 organizations
  • NA/AI tribes and their enterprises
  • Local, county and state
    government entities
  • Minimum 10 employees in most




  • Bonded Service Program: Risk Free
    first and last dollar coverage
  • Unemployment Savings Program:
    Proprietary interest-bearing reserve
    account, plus stop-loss
  • NUF Program: Claims
    administration, finance
    management and HR support
  • Excess Loss Program: “Working
    Excess Coverage” fits the level that
    works best for the organization’s risk
  • Surety Bonds: Required in many states
    for “reimbursing” employers
  • Group Program Management:
    Individually tailored programs for public
    and nonprofit member organizations
    includes underwriting, billing, and
    management of reserves


Program Benefits


  • Fixed annual cost
  • Budgetary certainty
  • Insurance protection
  • Improved cash flow through equal quarterly payments
  • Professional claims management and cost audits
  • Reimbursement payments to state agencies for individual claims
  • Posting of collateral (surety bonds) with state unemployment agencies
  • FNPACCESS: Live HR advice, group purchasing and discounted background services


Easy Application Process


  • Contact us
  • Simple, two-page initial application
  • We process all onboarding
    state paperwork

Ready to chat?
Get in touch today to request a no-obligation savings evaluation.


First Nonprofit has saved us so much money over the state’s program. We had one little glitch with the state recently and we contacted FNP immediately. FNP staff called us back immediately and moved to remedy the problem.

WI Council of Religious & Independent Schools (WCRIS), Madison, WI

First Nonprofit has been a great partner. They have helped us saved hundreds of thousands of dollars! They have awesome resources for our nonprofit organization. Thanks for the partnership.

Community Care Inc., Milwaukee, WI

Life is certainly busy these days but having business partners like First Nonprofit has made some of the process hassle free. We have worked with this team for years. When we changed payroll systems, they outlined every step. I think this team is terrific and I know they get the job done! Thank you, Cruz, to all the team at FNP.

Gulfside Healthcare Services, New Port Richey, FL

FNP has helped our agency to save thousands of dollars every year on our unemployment coverage. The service is phenomenal, and we are thankful to their team as our partner. My experience working with Marshall on the advocacy around UE for nonprofits was also a highlight as someone who teaches advocacy and lobbying for nonprofits. Really, your whole team is top shelf, so thank YOU!

Advancing Academics, Turtle Creek, PA

Chicago Children’s Theatre has greatly benefited from our partnership with First Nonprofit, and I have always enjoyed working with the staff on our filings and any complicated questions. I would not hesitate to recommend First Nonprofit to fellow nonprofits. We’re very happy customers.

Chicago Children’s Theatre, Chicago, IL

FNP is a great resource for Daniel Kids. To have a TPA that we can count on to take point on not only managing our unemployment claims, but to support and guide any protest hearing, is invaluable. All the professional support staff we have worked with have been excellent, very knowledgeable and responsive. We are grateful for the help and support, thank you.

Daniel Kids, Jacksonville, FL

When I first began in my position at my organization, I hadn’t had experience working with a company like FNP. The staff was so patient and helpful in helping to explain the benefits of First Nonprofit. Anytime I reach out with a question I receive a quick, clear, and thorough response. I’m so thankful that we decided to partner with FNP. Their excellence in customer service, coupled with their variety of packages frees us up to truly serve our staff and community with a peace of mind knowing that our organization is protected against unanticipated unemployment insurance expenses.

Homes of Hope, Chicago, IL

First Nonprofit gets an A+ in my book. You are so easy to work with & very knowledgeable! Whether it is my quarterly correspondence with Kim or my random interactions with Dawn about a bond … I am so pleased that I get to work with such a helpful company. Thank you!

Women's Choice Network, Pittsburgh, PA