Non-Profit Management Liability

Non Profit Directors & Officers Liability Insurance

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