Brown & Riding offers a dedicated Non Profit Directors & Officers (D&O) insurance program tailored to the unique needs of nonprofit organizations. With access to over 20 markets, we provide a wide range of options to help you place coverage efficiently and competitively. Whether your client is a small community nonprofit or a larger regional organization, we can help you find the right fit for their D&O exposure.
We accept most standard applications or you can use our streamlined short-form Non Profit D&O application to speed up the process. Our goal is to make it easy for agents and brokers to quote and bind coverage with minimal friction.
Ideal Accounts and Appetite
Our program is designed for 501(c)(3) and other nonprofit entities, including community organizations, advocacy groups, educational foundations, arts and cultural institutions, and charitable service providers. We can accommodate both new ventures and established nonprofits with clean histories.
You might have a client who runs a local youth sports league, a volunteer-based literacy organization, or a nonprofit healthcare outreach program—these are all strong fits for our program.
Coverage Highlights and Advantages
Our Non Profit D&O program includes flexible coverage options to protect boards and executives from claims related to governance, employment practices, and fiduciary responsibilities. Additional coverage options we pursue include:
- Additional Defense Costs outside the limits
- Volunteer coverage
- Third-Party Employment Practices Liability (EPL)
We work closely with you to tailor the coverage to your client's risk profile and budget.
Underwriting Notes and Minimum Premiums
We offer competitive pricing with a minimum premium starting at $500. Submissions should include a completed application—either your client's form or our short-form application—to ensure a fast and accurate quote.
Territories and Availability
Coverage is available in most states, including but not limited to: AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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, and WY. Most of our markets are available on an admitted basis in these states.
Why Work With Brown & Riding?
As a leading general agency and excess & surplus lines broker, Brown & Riding brings deep expertise in nonprofit risks and direct access to a wide array of carriers. Our experienced team makes the process smooth, responsive, and reliable. We strive to support your business with fast turnarounds and flexible underwriting.
For questions or submissions, contact Lisa Rodriguez at (206) 816-6725 or via email at
[email protected].
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for 501(c)(3) nonprofits such as community groups, educational organizations, arts and culture nonprofits, and charitable foundations.
Can I submit my client’s existing D&O application?
Yes, we accept most standard applications or you can use our short-form Non Profit D&O application to simplify the process.
What additional coverages are available?
We can pursue options such as Additional Defense Costs, volunteer coverage, and Third-Party Employment Practices Liability (EPL) depending on the risk profile.
What is the minimum premium for this program?
The minimum premium starts at $500, depending on underwriting details and coverage selections.
In which states is this program available?
This program is available in most states, including NY, CA, TX, FL, and many others. Most markets are on an admitted basis.
Need help placing an account? Connect with a market specialist.