Comprehensive D&O and EPLI Coverage for Nonprofits
Capitol Special Risks offers a specialized Directors and Officers (D&O) and Employment Practices Liability Insurance (EPLI) program tailored specifically for nonprofit organizations. As a wholesale broker with access to multiple carriers and all available markets, we help agents and brokers place nonprofit accounts that require expert handling and broad protection against leadership and employment-related exposures.
Ideal Accounts and Appetite
This program is designed for a wide range of nonprofit organizations, including but not limited to:
- Charitable foundations
- Educational nonprofits
- Arts and cultural organizations
- Religious and faith-based groups
- Community service organizations
You might have a client who runs a regional nonprofit offering after-school education programs. This program can help protect their board members and executive staff from personal liability while also covering employment-related risks such as wrongful termination or discrimination claims by employees or volunteers.
Coverage Highlights and Advantages
Our nonprofit D&O and EPLI package includes a wide range of valuable features:
- Separate limits of liability for D&O and EPLI
- Defense costs paid outside the limit of liability
- Punitive damages coverage, where permitted by law
- Third-party harassment and discrimination coverage
- Coverage for both monetary and non-monetary claims
- Outside directorship liability coverage
- Lifetime occurrence reporting provision available for former directors and officers (with some carriers)
- Fair Labor Standards Act (FLSA) sublimit available
- Wage and hour sublimit may be available
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size and scope of the nonprofit, as well as underwriting considerations such as loss history, number of employees, and type of services provided. Capitol Special Risks offers fast turnaround times and never charges broker fees, making it easier for you to quote and bind coverage efficiently.
Territories and Availability
This program is available in all 50 states, including DC. Whether your client is based in California, New York, Texas, or anywhere in between, Capitol Special Risks can help you find the right market and carrier for their needs.
Why Work With Capitol Special Risks?
As a wholesale broker specializing in complex liability exposures, Capitol Special Risks brings decades of experience and strong carrier relationships to help you place difficult or specialty nonprofit accounts. Our team understands the unique challenges nonprofit leaders face, and we provide tailored D&O and EPLI solutions that give both brokers and their insureds peace of mind.
Call today for information on Directors and Officers and Employment Practices Liability for Non-Profit Organizations! Fast turnaround and we never charge a broker fee!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of nonprofit organizations are eligible for this program?
This program is suitable for a wide range of nonprofits, including charitable foundations, educational and religious groups, arts organizations, and community service nonprofits.
Does this program provide separate limits for D&O and EPLI?
Yes, the program offers separate limits of liability for Directors and Officers coverage and Employment Practices Liability, allowing broader protection for your insureds.
Are defense costs included within the policy limits?
No, defense costs are paid outside the limit of liability, helping preserve the insured’s limits for indemnity payments.
Is this program available nationwide?
Yes, the program is available in all 50 states through Capitol Special Risks’ access to multiple carriers and markets.
How quickly can I get a quote for my client?
Capitol Special Risks offers fast turnaround times and does not charge broker fees, making it easy to quote and bind coverage efficiently.
Need help placing an account? Connect with a market specialist.