Non-Profit Management Liability
Our coverage goes Beyond Directors & Officers Liability and includes the following:
Directors , Officers & Organizational Liability
Employment Practices Liability
Fiduciary Liability
Core Coverage Highlights & Program Specifics
Primary Limits available up to $5,000,000 (excess limits available)
Claims Made
Broad Definition of Insured - includes past, present, or future directors, officers, trustees, members of commissions, committees, general counsel, employees, and lawful spouses. Employee includes: Full Time, Part Time, Volunteers, Seasonal, Leased, Temporary Workers and Independent Contractors
Retentions as low as $0 for individuals and $500 for organization
Defense Costs outside the indemnity limit of Liability
Duty to Defend
Full Prior Acts Coverage
Punitive damages, where insurable
Extended Reporting Periods options of 12, 24, & 36 months
36-month automatic Extended Reporting Period for former directors and officers for wrongful employment acts
Outside Directorship Liability for nonprofits
Third Party Liability
Separate Limits of Liability for each coverage
Optional Coverage Enhancements
Priority of Payments
Wage & Hour (FLSA) costs of defense sub-limit
Antitrust, Broadcasting & Publishing and Intellectual Property sub-limit
Illegal Alien Investigative Proceeding sub-limit
Excess benefit transaction coverage
Domestic Partner Coverage
Waiver of Deductible if no liability
Donation Assurance
Kidnap Expense
Identity Theft Expense
Business Travel Accidental Death Benefit
Crisis Management Expense
Emergency Real Estate Consulting Fee
Key Executive Replacement Expense
Privacy Violation Coverage
Temporary Meeting Space
Terrorism Travel Expense
Workplace Violence Counseling