Non-Profit Organizations

This policy is a comprehensive liability solution for 501(c) Non-Profit organizations that offers five unique “flexible” coverages including Directors & Officers Liability (lead coverage), Employment Practices Liability, Fiduciary Liability, Workplace Violence and Internet Liability

Directors & Officers Liability

• Order of payments language with priority placed on indemnifying Individual Insureds first
• Full severability for Individual Insureds; enhanced for the Entity by naming Executive Officers
• Personal & Advertising Injury coverage
• Outside directorship liability (ODL) for 501c(3) non-profit entities and endorsed outside entities

Employment Practices Liability

• Comprehensive 17 point definition of Employment Practice Act which includes retaliation, wrongful discipline, constructive discharge, breach of employment contract and much more
• Third Party coverage
• EPL limits can be shared or purchased as a separate limit
• Mental anguish & emotional distress carve-backs
• Broad definition of Individual Insured includes leased employees
• Independent contractor included as an Individual Insured

Fiduciary Liability

• Coverage available for all pension benefit and welfare benefit plans as defined by ERISA
• Omnibus welfare plan coverage
• Coverage includes any actual or alleged violation of Health Insurance Portability and Accountability Act (HIPAA) in the administration of any Benefit Plan

Workplace Violence

• Workplace violence Act includes actual or alleged intentional and unlawful use of, or threat to use, deadly force with an intent to cause harm
• Damages include business interruption expense and public image restoration expense

Internet Liability

• Libel, slander, oral or written publication of defamatory or disparaging material
• Invasion of or interference with the right of privacy
• Infringement of copyright, service mark, trademark, trade dress, or trade name, title or slogan
• Improper use of Literary or artistic titles, formats or performances