https://completemarkets.com/company/gaddiscompany/association-professional-liability-insurance/
Many trade and professional associations operate with complex risk exposures that are not fully addressed by a standard Non-Profit Directors & Officers (D&O) policy. Even with broad endorsements, D&O limits can be diluted by coverage for publishing, credentialing, and other professional services—leaving board members exposed and uneasy about potential personal liability.
Donald Gaddis Company offers a specialized solution: Association Professional Liability Insurance (E&O). This program is designed to address the unique professional liabilities of trade associations, providing protection beyond traditional D&O coverage.
Ideal Accounts and Appetite
This program is ideal for well-managed, coverage-conscious associations that engage in professional services such as publishing, credentialing, peer review, or training. Associations involved in medical, engineering, or product certification activities are also a strong fit, especially when contingent bodily injury or property damage exposures exist.
For example, you might have a client that publishes professional journals, conducts member certifications, or offers continuing education—activities that can expose them to liability beyond the scope of D&O. This program helps you deliver tailored protection for those exposures.
Coverage Highlights and Advantages
The Association E&O policy provides direct coverage for:
Peer review, credentialing, and standard setting activities
Media liability related to print and digital publishing
Training, teaching, and continuing education services
Optional endorsements can extend protection to:
Antitrust exposures
Contingent bodily injury/property damage for certification-based associations
Regulatory investigations
First- and third-party data breach exposures
Other professional services performed for members or the public
Underwriting Notes and Minimum Premiums
Donald Gaddis Company has a strong track record of success with this program, particularly when agents present it to well-run associations that understand their exposure. Premiums start at approximately $3,500. To obtain a quote, agents should submit the completed application. While financials and sample publications are helpful, they are not always required to receive an initial indication.
Territories and Availability
This program is available on a non-admitted basis in the following states: AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NY, NC, OR, PA, SC, TN, TX, WV, and WI.
Why Work With Donald Gaddis Company
As a wholesale brokerage with access to top carriers such as Axis and Capitol Indemnity, Donald Gaddis Company brings deep experience in professional liability for associations. Their underwriting team understands the operational and reputational risks that associations face, and they offer responsive service to help agents place complex accounts quickly and efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?Trade and professional associations that offer credentialing, publishing, training, or certification services are ideal candidates.
How does this policy differ from a typical D&O policy?This E&O policy specifically covers professional liability exposures that may not be included—or may dilute—standard D&O limits.
What are the minimum submission requirements to get a quote?A completed application is required. Financials and sample publications can help but are not mandatory for initial indications.
Is this program available in my state?The program is available in over 20 states, including CA, TX, FL, NY, and IL. Contact Donald Gaddis Company for eligibility in your state.
Can the policy be customized for unique association services?Yes, coverage can often be endorsed to include antitrust, data breach, contingent BI/PD, and other specific exposures.
Need help placing an account? Connect with a market specialist.