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Protect Your Nonprofit Clients with Charity First's D&O Insurance Program At Charity First Insurance Services Inc., we specialize in providing tailored insurance solutions for nonprofit organizations across the country. Our Nonprofit Directors & Officers (D&O) Insurance program is designed to help agents place coverage that protects nonprofit boards, officers, trustees, and management from a wide range of exposures related to governance, fiduciary duty, and decision-making. With decades of program administration experience and a nationwide reach, Charity First partners with top-rated A.M. Best "A" carriers to offer flexible, comprehensive solutions that evolve alongside your client’s mission. Whether your insured is a small community foundation or a large national nonprofit, we can help you deliver reliable protection against lawsuits and financial loss tied to leadership decisions. Ideal Accounts and Appetite Our program targets a broad range of eligible nonprofit organizations, including but not limited to: Charities and foundations Educational and cultural institutions Religious organizations Social service agencies Environmental and advocacy groups You might have a client who operates a regional food bank or a nonprofit art museum—both are examples of accounts we regularly support. Our underwriting team understands the nuances of nonprofit operations and can accommodate organizations of varying sizes and missions. Coverage Highlights and Advantages Directors & Officers Liability with optional Employment Practices Liability Defense costs outside the limits (available in many cases) Third-party claims coverage available Flexible policy terms designed to grow with the organization Access to free risk management resources, including an extensive online safety library We help your clients mitigate risk and reduce exposure by offering complimentary tools that promote safer operations and informed governance. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and scope of the organization, as well as selected coverages. Our experienced underwriters are ready to work with you to evaluate your client’s needs and structure an appropriate policy. We offer both new business and renewal options with competitive terms. Territories and Availability This program is available in most states nationwide, including CA, TX, NY, IL, FL, and many others. We are positioned to support agents and brokers across all 50 states and the District of Columbia, offering admitted products in most jurisdictions. Why Work With Charity First Insurance Services Inc.? Charity First is a trusted general agency known for its deep commitment to the nonprofit sector. We work exclusively with top-tier insurance carriers to provide products developed specifically for nonprofit risks. Our team is responsive, knowledgeable, and focused on making it easy for agents and brokers to access quality coverage for their clients. With Charity First, you’ll benefit from: Decades of experience in nonprofit insurance Nationwide program reach Flexible underwriting and customized options Dedicated support and resources for agents We put your charity clients first—so you can too. Frequently Asked Questions What types of nonprofit organizations are eligible for this program?We accept a wide range of nonprofit accounts, including charities, religious institutions, cultural organizations, educational nonprofits, and social service entities. Is Employment Practices Liability included in the D&O policy?Employment Practices Liability (EPL) is available as an optional endorsement and can be included based on underwriting review. What is the minimum premium for this program?Minimum premiums vary depending on the size and nature of the nonprofit. Our underwriting team will provide specific pricing based on your client's details. In which states is this program available?This program is available in most states, including CA, TX, NY, FL, and many more. Admitted coverage is offered in most jurisdictions. What carrier partners are used for this program?We work with various A.M. Best "A" rated insurance companies that specialize in nonprofit risks. Need help placing an account? Connect with a market specialist.

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Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs ?Complete biometric screening yielding stop-loss discounts ?Health risk assessment ?Health self-management programs ?24/7 physician telephonic office visits with prescription authorizations ?24/7 NurseLine ?Utilization review ?Case management ?Disease/population management ?Maternity program ?Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net.

Directors & Officers Insurance Program from J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a robust Directors & Officers (D&O) Insurance program designed to protect the leadership of a wide variety of organizations. As a Managing General Agency (MGA) with access to 25 different insurance carriers, we provide agents and brokers with flexible and competitive D&O solutions in all 50 states, plus Washington, DC. Ideal Accounts and Target Classes This program is ideal for both for-profit and nonprofit organizations, including: Banking institutions and financial service groups Condominium and homeowners associations Nonprofit organizations across various missions Youth amateur sports leagues and associations (e.g., Little League, Pop Warner, Soccer, Pony Baseball) Professional service providers requiring Errors & Omissions coverage Most professional organizations with board-level exposures Whether your client is a small nonprofit board or a complex professional association, we can help you place coverage that fits their unique governance risks. Coverage Highlights and Program Features Our D&O program is structured to help organizations mitigate liabilities related to management decisions, fiduciary responsibility, and employment practices. We also offer specialized packages for youth amateur sports organizations that combine D&O with fidelity coverage to protect against dishonest acts. New Program Highlights: Directors & Officers for Youth Amateur Sports: Example: League Association — No Charge, $1 million coverage Team Coverage — $275.00 per team for $1 million in protection Fidelity for Youth Amateur Sports: Example: $125.00 per team — $10,000 in fidelity coverage Underwriting Insight We provide flexible underwriting with a broad appetite for many classes of business. While there is no specific minimum premium listed, our team works to match your clients with the best-fit carrier and pricing structure. Accounts are reviewed on a case-by-case basis, with particular attention to governance structure and financial stability. State Availability This program is available in all 50 states and Washington, DC. Whether your client is based in California, New York, Texas, or anywhere in between, we can help you find the right D&O coverage solution. Why Work With J.R. Olsen Bonds & Insurance Brokers, Inc.? With decades of experience and strong carrier relationships, J.R. Olsen Bonds & Insurance Brokers, Inc. offers unmatched service and access to competitive D&O markets. Our expertise in both standard and niche sectors—like youth amateur sports—allows us to provide tailored solutions that protect your clients’ leadership teams. We make it easy for agents and brokers to place D&O coverage with confidence. If you’re working with a nonprofit board, a community sports league, or a professional services firm, partner with us for responsive service, broad market access, and deep underwriting knowledge. Frequently Asked Questions What types of accounts are a good fit for this D&O program?Ideal accounts include nonprofit boards, condo associations, youth sports leagues, professional organizations, and financial institutions. Is this program available in all states?Yes, our Directors & Officers Insurance program is available in all 50 states and Washington, DC. Can this program cover youth sports organizations?Yes, we offer specialized D&O and fidelity coverage options for youth amateur sports leagues like Little League, Soccer, Pop Warner, and more. Which carriers back this program?We work with 25 different insurance carriers to provide competitive quotes and coverage options tailored to your client’s needs. Do you offer admitted and non-admitted options?Yes, we offer coverage through both admitted and non-admitted carriers, depending on the state and specific risk profile. Need help placing an account? Connect with a market specialist.

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As a Director or Officer of a Non-Profit Organization, you are NOT immune to liability! Immunity does not prevent a lawsuit from being filed, and it generally applies only to volunteers—not to paid employees, directors, officers, or the organization itself. In fact, more than 90% of claims against nonprofit organizations are employment-related. Employment laws apply equally to nonprofits and for-profit entities, making it critical for nonprofits to secure proper protection. Comprehensive D&O and EPLI Coverage for Nonprofits Capitol Special Risks offers a specialized Directors and Officers (D&O) and Employment Practices Liability Insurance (EPLI) program tailored specifically for nonprofit organizations. As a wholesale broker with access to multiple carriers and all available markets, we help agents and brokers place nonprofit accounts that require expert handling and broad protection against leadership and employment-related exposures. Ideal Accounts and Appetite This program is designed for a wide range of nonprofit organizations, including but not limited to: Charitable foundations Educational nonprofits Arts and cultural organizations Religious and faith-based groups Community service organizations You might have a client who runs a regional nonprofit offering after-school education programs. This program can help protect their board members and executive staff from personal liability while also covering employment-related risks such as wrongful termination or discrimination claims by employees or volunteers. Coverage Highlights and Advantages Our nonprofit D&O and EPLI package includes a wide range of valuable features: Separate limits of liability for D&O and EPLI Defense costs paid outside the limit of liability Punitive damages coverage, where permitted by law Third-party harassment and discrimination coverage Coverage for both monetary and non-monetary claims Outside directorship liability coverage Lifetime occurrence reporting provision available for former directors and officers (with some carriers) Fair Labor Standards Act (FLSA) sublimit available Wage and hour sublimit may be available Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the nonprofit, as well as underwriting considerations such as loss history, number of employees, and type of services provided. Capitol Special Risks offers fast turnaround times and never charges broker fees, making it easier for you to quote and bind coverage efficiently. Territories and Availability This program is available in all 50 states, including DC. Whether your client is based in California, New York, Texas, or anywhere in between, Capitol Special Risks can help you find the right market and carrier for their needs. Why Work With Capitol Special Risks? As a wholesale broker specializing in complex liability exposures, Capitol Special Risks brings decades of experience and strong carrier relationships to help you place difficult or specialty nonprofit accounts. Our team understands the unique challenges nonprofit leaders face, and we provide tailored D&O and EPLI solutions that give both brokers and their insureds peace of mind. Call today for information on Directors and Officers and Employment Practices Liability for Non-Profit Organizations! Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of nonprofit organizations are eligible for this program?This program is suitable for a wide range of nonprofits, including charitable foundations, educational and religious groups, arts organizations, and community service nonprofits. Does this program provide separate limits for D&O and EPLI?Yes, the program offers separate limits of liability for Directors and Officers coverage and Employment Practices Liability, allowing broader protection for your insureds. Are defense costs included within the policy limits?No, defense costs are paid outside the limit of liability, helping preserve the insured’s limits for indemnity payments. Is this program available nationwide?Yes, the program is available in all 50 states through Capitol Special Risks’ access to multiple carriers and markets. How quickly can I get a quote for my client?Capitol Special Risks offers fast turnaround times and does not charge broker fees, making it easy to quote and bind coverage efficiently. Need help placing an account? Connect with a market specialist.