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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 D&O Solutions for Nonprofits

Nonprofit organizations face exposures that differ significantly from for-profit entities. From event fundraising and volunteer management to regulatory oversight and board governance, nonprofits need D&O protection crafted for their mission, budgets, and volunteer-driven operations. The Affinity Nonprofits Directors' & Officers' (D&O) Liability Insurance Program from Affinity Specialty Program Network (ASPN), offered in partnership with carriers such as Hartford Financial Products, delivers tailored coverage and flexible limits designed specifically for a wide variety of nonprofit organizations.

Ideal Accounts and Appetite

Our program is a strong match for a broad spectrum of nonprofits, including:
  • 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 your client’s nonprofit is involved in community enrichment, education, professional development, or the arts and relies on volunteer leadership or public fundraising, this program is worth considering. Examples you can place here:
  • A small community theater that runs seasonal productions, engages volunteers, and sells tickets — needs board and executive protection plus event-related exposures.
  • A mid-size land trust that manages land projects, accepts donations and grants, and has a volunteer board — needs D&O plus fiduciary considerations for grant administration.

Coverage Highlights and Advantages

This D&O program provides comprehensive protection for nonprofit directors, officers, trustees, and key employees. Key features include:
  • Liability limits up to $10,000,000
  • Defense costs typically paid outside the limit of liability
  • Employment Practices Liability (EPL) including third-party coverage
  • Personal injury and publishers liability
  • Fiduciary (ERISA) defense cost coverage
  • Duty-to-defend and entity identity (fraud) coverage extensions
  • Expanded definition of loss including punitive and multiplied damages where insurable
  • Broad insured definition covering part-time, seasonal, leased, and loaned employees
  • Spousal/domestic partner coverage extension
  • Breach of contract defense for non-employment disputes
  • Sublimits for IRS 10% penalty tax and other regulatory fines
  • Worldwide territory for most claims
We also offer complementary products that let you build broader protection for nonprofit clients, including Showstoppers® Event Cancellation Insurance, Special Event General Liability, and Volunteer Accident Medical coverage.

Underwriting Notes and Minimum Premiums

Underwriting focuses on the nonprofit’s mission, governance practices, financial controls, volunteer exposure, and event activity. Minimum premiums vary by account size and risk characteristics; the program is positioned to be budget-conscious while preserving key coverages. ASPN’s underwriting team is experienced with nonprofit risk profiles and can work with you on policy wording, limits, and retention structure to place the account effectively.

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) develops and manages niche insurance programs for targeted markets. For nonprofit D&O placements, ASPN provides:
  • Access to admitted capacity with established carriers such as Hartford Financial Products
  • Underwriters who understand nonprofit operations, volunteer governance, and event risks
  • A streamlined quoting and placement process tailored for agents and brokers
  • Options to bundle complementary products for event-heavy or volunteer-driven organizations
Whether you represent a small local arts group or a multi-state foundation, ASPN’s program offers scalable protection to help shield leadership and support organizational continuity.

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.

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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

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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.