Non-Profit Management Liability Highlights

Management liability coverages provides broad protection for alleged wrongdoing related to the management and administration of a non-profits. 

Availability: Available in all 50 states and D.C.
Admitted in 47 states with an A+ rated carrier (AK, MO and WA available on a Non-Admitted basis)
Commission: Receive the same commission for both new submissions and renewals
Target risks: Charities, senior care organizations, foundations, bar associations, golf & country clubs, social services, social advocacy, adoption agencies, alumni associations, agricultural cooperatives, chambers of commerce, civic organizations, community development organizations, cultural centers, social clubs and many more classes. Please refer to our Appetite Guide for a complete list. 
Ineligible risks:
Healthcare organizations, government entities, PACs, financial services organizations, labor unions and educators legal liability.  

Directors & Officers (D&O) / Employment Practices Liability (EPL) / Fiduciary

  • Shared or separate limit options
  • Limits: Up to $10M 
  • Defense outside the limits available
  • Arbitration and mediation incentive for D&O coverage
  • First dollar defense for D&O claims only for certain classes
  • Directors, officers, employees, volunteers, committee members and the entity are covered under D&O policy
  • No D&O and EPL hammer clause
  • The definition of loss under for D&O coverage includes any actual or alleged act, omission, error, misstatement, misleading statement, neglect or breach of duty, including any actual or alleged personal injury or publishers liability, by any insured person in his or her capacity as such with the company
  • EPL coverage extended to independent contractors
  • Additional Side A up to $1M
  • Sublimits available for:
    • Directors and Officers Liability:
      - Investigative costs
      - Asset protection costs
      - Public relations costs
    •  Employment Practices Liability:
      - Workplace violence expenses
      - EPL crisis expenses 
      - Wage and hour defense only
    • Fiduciary Liability:
      - Voluntary compliance program costs
      - Penalties for violations of HIPAA Privacy Provisions
      - Penalties under Section 502(c) of ERISA
      - Penalties under the Pension Protection Act of 2006
      - Penalties under the Affordable Care Act
      - Penalty under IRC Section 4975


  • Limits: $100,000 - $2M
  • Available coverages include employee theft, forgery/alteration, inside the premises loss, in transit loss, money orders/counterfeit money, computer crime, funds transfer fraud, personal accounts protection, and claims expense

Employed Lawyers Liability

  • Limit: $1M 
  • Provides coverage for the acts of attorneys who work for corporations when acting in a licensed attorney capacity 

Kidnap, Ransom & Extortion

  • Limit: $1M 
  • Reimburses cost associated with kidnap, express kidnap, wrongful detention, extortion, hijack, hostage crisis or child abduction
  • Covers ransom costs, ransom lost in transit, crisis response expenses, legal liability, accidental death and dismemberment, additional expenses and business interruption
  • Sublimits available for:
    - Recall expenses related from products extortion
    - Personal belongings lost as result of Insured Event
    - Threat response
    - Disappearance and investigation expenses
    - Security Evacuation
  • Worldwide coverage

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    Underwriting Contact

    Jessica Smith

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