Non-Profit Organizations

Protect the Non-Profit You Dedicate So Many Hours To

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

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