Directors & Officers Liability

A D&O policy protects the individuals who help run your organization. Includes coverage for:

• Directors
• Officers
• Trustees
• Employees
• Volunteers

Your Directors & Officers Liability policy includes up to $1,000,000 per occurrence and $1,000,000 annual aggregate in protection.

This coverage applies to claims arising from decisions or actions taken by your board, officers, or leadership team. It includes:

• Wrongful Acts
• Error or Omissions
• Negligent Acts
• Misleading Statements
• Breach of Duty
• Employment Practices Liability
• Copyright Infringement

Nonprofit D&O Liability helps shield your organization and leadership from claims that could otherwise become costly legal matters.

Your D&O policy offers worldwide coverage, as long as any legal action is brought within the United States (including its territories) or Canada.

Policy Term: One full year from your selected start date.

This gives your organization the flexibility to operate internationally, while keeping legal proceedings within familiar jurisdictions.

While coverage is broad, certain exposures are not included under Directors & Officers Liability Insurance. Understanding these exclusions helps your leadership team manage risk effectively.

Not Covered:

• Unjust enrichment or gaining profit not legally entitled to
• Criminal, malicious, fraudulent, or knowingly wrongful or dishonest acts or omissions
• Bodily Injury (covered under Liability Plus)
• Property Damage (covered under Liability Plus)
• Personal Injury (covered under Liability Plus)
• Claims involving intoxicating substances
• Securities Exchange Commission (SEC) actions
• Employee benefit plan liabilities

D&O insurance protects board members and nonprofit leaders from being held personally responsible for the decisions they make while serving the organization. If someone claims that a decision caused financial harm, violated duties, or was made in error, this policy helps cover legal defense and potential settlement costs, so individuals aren’t paying out of pocket.

It’s designed to protect leadership personally, not just the organization.

Even small nonprofits can face claims against board members or officers. Decisions involving fundraising, budgets, or partnerships can lead to disputes or legal action. D&O insurance helps protect individuals from personal financial exposure in these situations, regardless of the size of the organization.

Yes. Nonprofit D&O Coverage includes all directors, officers, trustees, and employees or volunteers serving in leadership roles. It also includes the organization itself as an insured entity.

No. General liability covers claims like bodily injury or property damage. D&O insurance is specifically for claims related to how your organization is governed or managed. Most nonprofits carry both types of coverage.

Yes. Our D&O policy includes coverage for former directors and officers, as long as the claim is related to actions taken during their time in office and within the policy’s coverage period.