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
- Anti-Trust, 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 Replacment Expense
- Privacy Violation Coverage
- Temporary Meeting Space
- Terrorism Travel Expense
- Workplace Violence Counseling
