Affinity Nonprofits United Way Worldwide-Endorsed Directors’ & Officers’ (D&O) Liability Insurance Program

Ideal Accounts and Appetite

This program targets nonprofit organizations of all sizes, including United Way chapters, community foundations, human services providers, educational nonprofits, advocacy organizations and other mission-driven groups that rely on volunteer or paid boards.

Typical accounts that fit well:

• Local and regional United Way chapters and affiliate organizations
• Human services agencies that operate client programs and fundraising activities
• Private foundations, scholarship funds and community foundations
• Educational and advocacy nonprofits with active governance and public engagement

You might have a client who was recently the target of an identity-theft or fraud scheme affecting the organization’s bank accounts, or a nonprofit facing a government audit or inquiry. This program provides defense and loss protections designed to respond to those specific nonprofit exposures.

Coverage Highlights and Advantages

ASPN’s D&O program includes nonprofit-focused enhancements that make it attractive for agents placing nonprofit risk:

• Limits available up to $10,000,000
• Defense costs outside the limit of liability
• Employment Practices Liability (EPL) with third-party coverage
• Personal injury and publishers liability
• Fiduciary (ERISA) defense costs coverage
• Entity identity (fraud) coverage
• Duty-to-defend language and a broad definition of insured
• Coverage for outside directorship liability
• Expanded definition of loss, including punitive and multiplied damages where insurable
• Spousal/domestic partner extension
• Defense for certain non-employment breach of contract claims
• Coverage for IRS 10% penalty tax on excess benefit transactions
• $25,000 aggregate sublimit for specified government fines and penalties
• Mismanagement coverage and worldwide territory for covered matters

Underwriting Notes and Minimum Premiums

Underwriting evaluates an organization’s governance, fundraising activity, financial controls, program operations and prior loss history. Minimum premium for this program starts at $400, and ASPN positions the product to be competitive — often coming in at roughly half the cost of comparable nonprofit D&O programs depending on limits and exposures.

Accounts with strong board governance, clear financial controls, and stable fundraising practices are the best fit. Higher-risk accounts (for example, organizations with ongoing litigation or repeated regulatory violations) will be reviewed on a case-by-case basis and may require additional information or be declined.

Territories and Availability

This is an admitted program available in all 50 states and the District of Columbia (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 Affinity Specialty Program Network (ASPN)

ASPN focuses on nonprofit insurance placements and pairs that expertise with the underwriting strength of Hartford Financial Products. Working with ASPN gives you access to:

• Underwriters experienced with nonprofit governance, ERISA and fundraising exposures
• Products endorsed by national nonprofit partners (United Way Worldwide)
• Competitive admitted paper in all states and DC
• A market designed to be efficient and cost-effective for smaller and mid-sized nonprofits

Whether you serve a small grassroots charity or a multi-state nonprofit, this D&O program is structured to make placement straightforward while offering nonprofit-specific coverage extensions that matter to your insureds.

Example scenarios — from an agent’s perspective:

• You have a regional United Way chapter seeking admitted D&O limits and fiduciary defense for its retirement plan — this program can offer admitted coverage with ERISA defense features and limits to match the chapter’s size.
• You represent a human services nonprofit that experienced employee misconduct allegations and a related government inquiry — the program’s EPL coverage, defense outside the limits and sublimited government fines coverage provide practical protection for directors and officers.

Other products available from ASPN:

• Showstoppers® Event Cancellation Insurance
• Special Event General Liability
• Volunteer Accident Medical

Frequently Asked Questions

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