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ExecutivePerils, Inc.
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ExecutivePerils, Inc.
Contact Us
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D&O Non-Profit

D&O Non-Profit Insurance Program

Comprehensive Protection for Non-Profit Leadership

ExecutivePerils, Inc. offers a specialized D&O Non-Profit insurance program designed to protect the unique exposures faced by non-profit organizations. With access to more than 30 top-rated markets, we provide brokers and agents with tailored solutions to help their clients safeguard their directors, officers, employees, and volunteers. Our coverage is available on a non-admitted basis and is built to address the wide range of risks that come with managing a non-profit entity.

Ideal Accounts and Appetite

This program is well-suited for a broad spectrum of non-profit organizations, including:
  • Charitable foundations
  • Social service agencies
  • Cultural and educational institutions
  • Membership associations
  • Religious organizations
  • Community-based advocacy groups
You might have a client operating a regional arts council or a youth outreach non-profit—both are excellent fits for ExecutivePerils’ D&O Non-Profit program. We are particularly strong in handling accounts with volunteer-heavy staff and diverse boards of directors.

Coverage Highlights and Advantages

We aim to deliver comprehensive protection that includes:
  • Insured Persons Coverage: Covers past, present, and future directors, officers, trustees, employees, staff, volunteers, and committee members.
  • Entity Coverage: Automatically includes claims made against the non-profit organization itself.
  • Employment Practices Liability (EPL): Protection against wrongful termination, discrimination, harassment, emotional distress, and more.
  • Duty to Defend: The insurer provides defense for covered claims, reducing administrative burden on the insured.
  • Defense Costs Outside Policy Limits: Legal defense expenses do not erode the policy limit, preserving funds for potential settlements or judgments.
  • Personal Injury Protection: Includes libel, slander, invasion of privacy, copyright/trademark infringement, and more.
  • Prior Acts Coverage: Covers unknown wrongful acts that occurred before the policy’s inception.
  • Extended Reporting Period (ERP): Bilateral and multi-year ERP options available for continued protection after policy expiration.
  • Optional Fiduciary Liability Endorsement: Available to extend protection for benefit plan administrators and fiduciaries.

Underwriting Notes

We work with experienced underwriters who understand the nuances of non-profit D&O exposures. While there is no published minimum premium, pricing is market-competitive and varies by risk profile, size of the organization, and coverage limits requested. Submissions should include basic organizational details, financials, and prior claims history, if available.

Territories and Availability

The D&O Non-Profit program is available in all 50 states plus Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WV, WI, and WY.

Why Work With ExecutivePerils, Inc.?

ExecutivePerils is a trusted resource for agents and brokers seeking access to top-tier D&O markets for non-profits. With our deep bench of over 30 appointed carriers and a commitment to responsive service, we help you find the right fit for your clients’ needs. Our team understands the operational and legal challenges faced by non-profits and delivers solutions that are both flexible and robust.

Frequently Asked Questions

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

Our program is ideal for a wide range of non-profits, including charitable organizations, educational institutions, religious groups, and community service organizations.

Is Employment Practices Liability (EPL) included?

Yes, EPL coverage is included and protects against claims like wrongful termination, discrimination, and harassment involving employees, volunteers, or board members.

Does the policy cover the organization itself?

Yes, entity coverage is built into the policy, providing protection for claims made directly against the non-profit organization.

What is the advantage of defense costs being outside the policy limit?

This feature ensures that legal defense expenses do not reduce the total amount of coverage available for settlements or judgments.

Which states is this program available in?

The program is available in all U.S. states and Washington, D.C., offering broad national accessibility for your clients.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    0
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A.M. Best A rated
  • Commission:
    10%
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

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APPLICATIONS

AGENCY LICENSING

  • Executive Perils Agency Agreement
  • E&O coverage (photocopy of Declaration Page)
  • Copy of current State License
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