Non-profit insurance for 501(c)(3) organizations: directors and officers liability, EPLI, general liability, sexual abuse coverage, and volunteer protection.
Non-profit organizations face a distinctive risk profile: they operate with limited reserves, rely on volunteers, serve vulnerable populations, and are governed by boards who owe fiduciary duties to the organization. A single lawsuit — from an employee, a program participant, or a donor alleging fun…
Yes. Board members can be personally liable for governance decisions — a donor suing for fund misuse, a terminated employee claiming wrongful dismissal, or a regulatory action can all name individual board members. D&O covers defense costs and settle…
Standard homeowners personal liability typically excludes business and professional duties. Serving on a non-profit board is generally treated as a professional duty and would likely be excluded. Board members should not rely on personal coverage for…