Directors' and Officers' Liability Insurance For Non-Profit Organizations

Click here to quote Non-Profit accounts online or here to view a Tutorial explaining how online quoting works. Non-Profit organizations, regardless of size and nature of business, may face a variety of employment practices claims, such as wrongful termination, harassment, discrimination, misrepresentation, the failure to employ or promote employees, and other such allegations. Additionally, members of non-profit organizations are susceptible to lawsuits that allege a wide range of offenses, including: antitrust activity, copyright and/or patent infringement, unfair credentialing/disciplinary/peer review, and failure to deliver services. The ELD has come to be known for its expertise and exceptional service as a Non-Profit Directors' and Officers' (D&O) Liability provider. Our underwriting team possesses a wealth of experience in the non-profit industry, thus earning the ELD reputation of being one of the most stable and consistent D&O providers within the marketplace. Our Non-Profit ExecPro policy includes the following benefits: Duty to Defend – We have contracted with a group of experienced D&O attorneys, located throughout the country, to defend our insureds in the event of a D&O claim. In doing so, we spare our insureds the responsibility and hassle of hiring attorneys and managing the litigation process. On occasion, the ELD will allow the Insured to select its own defense counsel, an allowance not common to the industry as a whole. Defense Expenses are in Addition to the Limit of Liability – When the Insurer assumes the Duty to Defend a claim, the expenses associated with defending a claim will not diminish the Limit of Liability. All Past, Present and Future Directors, Officers, Trustees and Employees are Covered – Volunteers, staff members, executive board members, and committee members are named as Insureds. Entity Coverage – Coverage for the organization itself and non-profit subsidiaries is automatically included. Broad Definition of Claim – Our definition of claim includes written demands and administrative proceedings, such as those before the Equal Employment Opportunity Commission (EEOC). Free 90-day Discovery Period – The Insured is granted an automatic, 90-day discovery period, if the policy is non-renewed or cancelled for any reason except non-payment of premium. Employment Practices Liability (EPL) – The ExecPro Non-Profit policy not only protects against claims alleging wrongful termination, harassment or discrimination, as many other policies do, but also covers claims alleging misrepresentation, failure to employ or promote, wrongful discipline, deprivation of career opportunities, failure to grant tenure, negligent evaluation, retaliation, failure to provide adequate policies and procedures, mental anguish, emotional distress, invasion of privacy, libel, slander and more. Retentions (deductibles) – Retentions on the ExecPro policy are not pertinent to the costs of defense, which means that the retentions are applicable only when there is a settlement or judgment. Retentions are based on asset size, nature of operations, salary expense and claim history. Most of our Insureds have a retention amount between $1,000 and $2,500. Optional features* available to some risks include the following: IRS Excess Benefit Coverage – This feature provides coverage for the 10% "excess benefit" tax assessed by the IRS against any insured person for participation by management in an excess benefit transaction. Third Party Claims Coverage – This coverage amends the bodily injury/property damage exclusion by providing mental anguish, emotional distress coverage for Business Practices Wrongful Acts in third party claims. Personal Injury Coverage – This coverage amends the bodily injury/property damage exclusion by providing mental anguish and emotional distress coverage for personal injury claims. *for an additional charge The Non-Profit Division of the ELD has experience in underwriting a variety of industry exposures, including the following: Water Supply Companies Chambers of Commerce, Business Leagues Clubs Cemeteries Grant making Foundations Veterans Groups Communications, Public Broadcasting Organizations Animal related Organizations Art, Culture and Humanities Food, Nutrition Organizations Trade Associations Human Services, Public Education Public Safety, Relief and Emergency Preparation Recreation, Leisure, Sporting Civil Rights, Social Action Job Training and Placement Organizations (not including union apprenticeship shops) Environmental Related Organizations Camps, Daycare Facilities Rehabilitation, Counseling Facilities Group Legal/Medical Facilities Scientific Technology/R&D Testing Facilities Educational Facilities (not colleges or universities) Temporary Housing/Shelters Community Redevelopment, Low-Income Housing Retirement/Mentally Handicapped Communities Certification Boards Risk Management Service upon Policy Issuance The Executive Liability Division of Great American Insurance Group is committed to offering industry-leading customer service and risk management assistance to its Insureds. Great American's Employment Practices Liability and Non-Profit Organization Executive Protection policies include a risk management program provided by Jackson Lewis, a national law firm specializing in employment, labor and benefits law. To learn more about the Jackson Lewis program please visit www.JacksonLewis.com Non-Profit D&O for Community Associations A specialized arrangement is available to write D&O Liability Insurance for Non-Profit Community Associations. Through The Distinguished Programs Group, Non-Profit D&O Liability Insurance can be provided for Condominium Associations and Homeowner Associations. Working in conjunction with The Executive Liability Division, The Distinguished Programs Group provides liability protection for the directors and officers of Non-Profit Community Associations. This availability is called The Distinguished Community Association Protection Program (D-CAP) and is underwritten by Great American Insurance Company. To learn more about our Non-Profit D&O for Community Associations, please see our "Condos & Homeowners" link under "Our Products." Insurance Program for Social Service Agencies and Non-Profit Organizations Since 1980, Great American's Insurance Program for Social Service Agencies & Non-Profit Organizations, offered by the Specialty Human Service Division (SHSD) has been serving the needs of agents active in the Social and Human Service sector. With branch offices in Cincinnati, and Chicago, the Division's Claim, Loss Prevention, Underwriting and Marketing specialists work hand-in-hand with agents serving more than 5,000 social service and non-profit organizations across the country. Standard Package Policy - ISO based Property and GL forms Variety of Professional Liability coverages including D&O Automobile - owned, non-owned and hired Umbrella/Excess - written over Great American's primary General Liability; limits to $25,000,000 available Numerous ancillary coverages including EDP, Crime, Boiler & Machinery (Equipment Breakdown), two Property Broadening Endorsements, Inland Marine, a Social Service Agency General Liability Broadening Endorsement and a Commercial Auto Broadening Endorsement To learn more about the SHSD, please click on "Great American's Specialty Human Services Division" on our Links page