Our Non-Profit D&O coverage is written on either an admitted basis through National Casualty Company or on surplus lines paper through Scottsdale Insurance Company.  The program is open to non-profit organizations that have a 501 (c) classification with the Internal Revenue Service. Coverage is provided for:

·            Wrongful acts, errors or omissions, including employment practices, of directors, officers, trustees, employees, volunteers and committee members of non-profit entities.
 

NON-PROFIT D&O COVERAGE FEATURES 

·          Defense costs in addition to the limit of liability.                    • First dollar defense mechanism.
·          Duty to defend coverage trigger.                                      • Spousal Liability for Insureds.
·          Automatic Outside Directorship Extension.                           • No Personal Injury Exclusion.
·          Back wages and salaries of employees covered.                  • Full prior acts.
·          Coverage provided for non-monetary damage claims. 

SPECIAL COVERAGE OPTIONS
 

•     Fiduciary Liability for ERISA plans.                                     • Extended Publishers Liability

INELIGIBLE RISKS 

·          Public schools and school districts                          • Entities governed by Tribal Indian Law.
·          Municipalities                                                      • Adoption agencies.
·          HMO's/PPO's                                                      • Lending institutions.
·          Abortion clinics                                                   • Foster care.
·          Nursing homes                                                   • Unions.
·          Insurance trusts, pools or captive insurance operations
·          Hospitals and other primary medical care facilities and any of the following types of organizations that have
      physicians on staff or  administer drugs:
                                                           > Centers for alcohol and drug abuse rehabilitation.
                                                           > Mental health centers.
                                                           > Counseling and guidance services.
                                                           > Substance abuse counseling.
                                                           > Ministerial and family counseling.
                                                           > Ambulatory care facilities.