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Non Profit Directors & Officers Professional Liability and Employment Practices Liability
This product targets not-for-profit companies with less than 200 employees.
Risks With Highest Hit Ratio!
- Fewer than 50 employees and less than $5,000,000 in annual revenue.
- No directors and officers, employment practices, 3rd party discrimination or 3rd party sexual harassment claims or incidents in the past 5 years.
- The following classes of business:
- Assisted living center
- Economic development corp.
- Preschool
- At-risk youth facility
- Environmental group*
- Scouting
- Big Brother/Sister
- Exhibition (auto show, fair, festival)
- Social services
- Boys & Girls Club
- Food bank
- Swim/tennis club
- CASA
- YMCA/YWCA
- Convention center
- Library
- Youth sports assoc.
- Crisis center
- Foundation
- Trade assoc.
- Cemetery
- Handicapped service
- United Way chapter
- Chamber of Commerce
- Historical society/preservation
- Visitors/tourist bureau
- Church/temple
- Homeless shelter
- Water district
- Community/civic center
- Human society
- Membership organization
- Zoo Facility
- Day care center
- Museum
- Developmentally Disabled
- Performing arts
* - (not involved in litigation or activist activities)
Eligible Risks With Next Highest Hit Ratio!
Includes all of the above characteristics except where amended below -
- 51 to 200 employees.
- Annual revenues greater than $5,000,000.
- 1 or 2 directors and officers or employment practices claims or incidents in the past 5 years.
- The following classes of business:
- Charter school - after 3rd year in existence
- Clinic (less than $10,000,000 in revenues)
- Community college/junior college
- Country club
- Dining Club
- Golf club
- Health care provider (less than $10,000,000 in revenues)
- Low income housing
- Private industry council
- Private school
- Public broadcasting
- Regional planning commission
- Retirement home
- Substance abuse center
- Vocational training/school
- Yacht Club
- Mental health center
Product Advantages
- A++ rated carrier.
- Separate Limits of Liability for D & O and EPL claims. (Note: EPL is an optional coverage which can be purchased in addition to D&O, but not on a monoline basis.)
- Defense outside the limit.
- Unlimited extended reporting period for former directors and officers.
- Third party sexual harassment and third party discrimination coverage.
- Punitive damages, where insurable by law, included automatically.
- Duty to defend.
- Full prior acts coverage.
- Optional fiduciary liability coverage.
Program Limits & Retentions
- Up to $5,000,000 for D&O and EPL providing that the EPL limit may not exceed the D&O limit.
- Retention's start at $0.