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Affinity Specialty Program Network (ASPN)
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Affinity Specialty Program Network (ASPN)
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Affinity Nonprofits Directors’ & Officers’ (D&O) Liability Insurance Program

Affinity Nonprofits Directors' & Officers' (D&O) Liability Insurance Program - Custom Insurance Solutions for a Variety of Nonprofits

Nonprofit organizations face unique risks that differ significantly from those of their for-profit counterparts. From managing fundraising events and volunteers to complying with government regulations, nonprofits require specialized protection. The Affinity Nonprofits Directors' & Officers' (D&O) Liability Insurance Program is tailored specifically to address these exposures, offering insurance solutions designed to meet the operational realities and budget constraints of nonprofit organizations.

As an insurance agent or broker, you gain access to a proprietary program developed by Affinity Specialty Program Network (ASPN) in collaboration with top-tier carriers like Hartford Financial Products. This program delivers robust, customizable D&O coverage that helps safeguard the leadership and operations of a wide range of nonprofit organizations.

Ideal Accounts and Appetite

Our program is a strong fit for a broad spectrum of nonprofit organizations, including but not limited to:
  • Alumni Associations
  • Chambers of Commerce
  • Country Clubs
  • Cemeteries
  • Concerts and Festivals
  • Fitness Clubs
  • Foundations and Fraternal Organizations
  • Historical and Humane Societies
  • Land Trusts and Preservation Groups
  • Libraries and Museums
  • Rotary Clubs
  • Social Service Organizations
  • Sporting Events and Symphony Orchestras
  • Theaters and Performing Arts Groups
If you have a nonprofit client involved in community enrichment, professional development, education, or the arts, this program may be a strong match for their operations and risk profile.

Coverage Highlights and Advantages

Our D&O Liability program provides comprehensive protection for nonprofit boards, executives, and staff. Key features include:
  • Liability limits up to $10,000,000
  • Defense Costs Outside the Limit of Liability
  • Employment Practices Liability and Third-Party Coverage
  • Personal Injury and Publishers Liability
  • Fiduciary Liability (ERISA) Defense Costs
  • Duty-to-Defend and Entity Identity (Fraud) Coverage
  • Expanded Definition of Loss including Punitive and Multiplied Damages
  • Broad Definition of Insured, including part-time, seasonal, leased, and loaned employees
  • Spousal/Domestic Partner Coverage Extension
  • Breach of Contract Defense for Non-Employment Disputes
  • IRS 10% Penalty Tax and Other Regulatory Fine Sublimits
  • Worldwide Territory Coverage
We also offer complementary products such as Showstoppers® Event Cancellation Insurance, Special Event General Liability, and Volunteer Accident Medical coverage, enabling agents to bundle solutions and provide comprehensive protection.

Underwriting Notes and Minimum Premiums

Minimum premiums for this program vary based on the size, scope, and nature of the nonprofit's operations. The program is designed to be budget-conscious without sacrificing essential coverage. Our underwriting approach is flexible and responsive, with access to experienced underwriters who understand the nonprofit sector.

Territories and Availability

This program is available on an admitted basis in all 50 states and Washington, DC:
AL, AK, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.

Why Work With ASPN

Affinity Specialty Program Network (ASPN) brings years of experience developing and managing tailored insurance programs for niche markets. Our relationships with leading carriers and nonprofit associations allow us to craft solutions that address real-world exposures. Agents and brokers benefit from our market access, efficient quoting process, and commitment to service.

Whether your client is a small local theater or a nationwide foundation, our program offers scalable protection that supports their mission and shields their leadership from costly legal exposures.

All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter, or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.

Insurance license information

 

Frequently Asked Questions

What types of nonprofit accounts are a good fit for this program?

This program is designed for a wide range of nonprofit organizations such as alumni associations, chambers of commerce, social service providers, arts groups, and land trusts. It is ideal for nonprofits with volunteer involvement, public fundraising, or board governance.

What are the liability limits available through this program?

The program offers liability limits of up to $10 million, with defense costs paid outside the limits in most cases to help preserve policy benefits.

Does the program include coverage for employment-related claims?

Yes, Employment Practices Liability Coverage (EPL) is included, covering claims such as wrongful termination, discrimination, and harassment.

Is this program available nationwide?

Yes, the Affinity Nonprofits D&O Liability Insurance Program is available in all 50 states and Washington, DC on an admitted basis.

Are additional coverages available to complement the D&O policy?

Yes, optional coverages include Event Cancellation Insurance, Special Event General Liability, and Volunteer Accident Medical coverage.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    0
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    Competitive commissions paid to brokers.
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

1120 20th Street NW, Suite 600
Washington, DC 20036
800-432-7465
CA 0795465
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APPLICATIONS

  • Contact us for the appropriate application.

AGENCY LICENSING

We will quote business with no Producer Agreement; upon placement of business we will require our standard Producer Agreement to be completed.

Producer Agreement

Insurance license information
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Affinity Specialty Program Network (ASPN) has other insurance programs like Affinity Nonprofits AAM-Recognized Directors’ & Officers’ (D&O) Liability Insurance Program.