For Non-Profits & Associations
Injury, Sickness, Disease, Death
Physical damage to tangible property
Loss of use of tangible property not physically damaged
False Arrest, Detention, Imprisonment, Malicious Prosecution, Wrongful
Eviction or Entry, Slander or Libel, Invasion of Privacy, Advertising
Injury, Oral or written publication of material slandering, libeling,
disparaging others' goods, products or services; Oral or written
publication of material that violates a person's right of privacy;
Misappropriation of advertising ideas or business style, infringement
of copyright, title or slogan.
Intentional Acts, Oil Leaks or other Pollution, Workers' Compensation
Claims, Auto Claims, Watercraft Claims, War, Intentional Advertising
Injury, Willful Violation of law, Erroneous Advertising; Employment
related practices, such as wrongful termination, discrimination or
Also excluded: Claims or allegations of civil liability, as opposed to
bodily injury or physical damage. For example: allegation of financial
or mental harm resulting from malfeasance, misfeasance or nonfeasance
(improper act or decision, improper implementation of a proper act or
decision, failure of loyalty, disclosure or reasonable care).
Note: Defense and coverage for acts in this paragraph are covered by a Directors and Officers Errors and Omissions
, which may also include coverage for Employment Related
For unpaid directors of nonprofit organizations, defense and coverage
for acts in this paragraph are covered by most Personal Umbrella
WHO IS AN INSURED
The organization, executive officers, directors, and members.
TYPICAL AMOUNT OF INSURANCE
$1,000,000 each occurrence
$2,000,000 maximum total paid during policy period
On buildings, equipment, and office contents
Non Profit Directors And Officers Liability
In general, a D & O policy typically covers defense for and
settlement of claims arising from governance and management, rather
than bodily injury or property damage. An example might be loss of
property value allegedly resulting from a bylaw decision.
would insure your organization for claims arising out of others’ use of
their own autos in your behalf. For example, if someone running an
errand for the organization were involved in a serious accident, the
organization may be sued as well as the member.
With nonowned automobile coverage, it is important to note that
coverage does not extend to the other person - it covers only the
organization itself. It is sometimes possible to obtain coverage for
others for an additional premium.
Hired automobile coverage
often written in conjunction with non-owned auto coverage, extends
coverage to automobiles hired, loaned, or leased, by your organization.
If the organization employs even part time workers, workers
compensation is required by law.
Provides an additional layer of liability coverage over the underlying
policies. Subject to underwriting approval and purchase of required
underlying limits of insurance.