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Non-Profit D&O Insurance from Preferred Concepts LLC
Preferred Concepts LLC, through Mercator Risk Services, offers tailored Directors & Officers (D&O) Liability insurance for a wide range of non-profit organizations. Whether your client is a community-based foundation, a religious group, or a professional association, this program provides flexible coverage options to meet their unique operational risks. With access to multiple carriers and expertise in specialty risks, Mercator is a go-to wholesale broker for agents and brokers seeking comprehensive solutions for non-profit clients.
Ideal Accounts and Appetite
This program is designed for a broad spectrum of non-profit organizations, including but not limited to:
Social service agencies
Trade and professional associations
Homeowners associations
Private and recreational clubs
Religious organizations
Chambers of commerce
Museums and cultural institutions
Community and charitable foundations
Hard-to-place and distressed accounts are also considered, including those with prior claims or financial concerns. If you have a client with a complex risk profile, Mercator can help structure a solution that fits.
Coverage Highlights and Advantages
Non-profit organizations face a wide range of exposures related to governance, employment practices, and professional services. This program offers flexible policy forms that can be customized based on your client’s needs. Coverage options include:
Directors & Officers (D&O) Liability
Employment Practices Liability (EPL)
Professional Liability / Errors & Omissions (E&O)
Many policy forms combine these coverages into a single product often referred to as "non-profit D&O." It is essential that the insured reviews the policy form to ensure it aligns with their operational exposures and expectations.
Coverage is available for officers, directors, employees, and volunteers—helping to protect against claims involving fiduciary duties, employment disputes, and more.
Underwriting Notes and Application Process
Mercator Risk Services will accept most standard applications (excluding renewal apps), or can provide a tailored application specific to your client's situation. They are experienced in handling both straightforward and complex risks, including those with prior losses or financial challenges.
There is no listed minimum premium, but the program is competitively priced and scalable depending on the size and risk profile of the organization.
Territories and Availability
This program is available on a non-admitted basis in all 50 states and 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 Preferred Concepts and Mercator Risk Services
Preferred Concepts LLC partners with Mercator Risk Services to bring you specialized market access and underwriting expertise for non-profit D&O risks. Their ability to handle both standard and unusual risks—such as financially impaired entities or those with prior claims—makes them a strong partner for agents and brokers looking to grow in the non-profit space. With responsive service, market access, and the flexibility to tailor coverage, Mercator is a valuable resource for your non-profit accounts.
For more information, call (860) 527-9717 or email
[email protected]. Additional resources can be found at www.mercatorpro.com.
Frequently Asked Questions
What types of non-profit accounts are a good fit for this program?This program is ideal for social service agencies, religious organizations, professional associations, private clubs, and other 501(c)(3) or similar entities. Hard-to-place risks with prior claims or financial issues are also considered.
Can coverage be customized for different types of non-profits?Yes, policy forms can be tailored to include D&O only, or expanded to include EPL and E&O, depending on the client’s operational needs and exposures.
Is there a specific application required?Mercator Risk Services accepts most standard applications, excluding renewals. They can also provide a specialized application tailored to your client’s risk profile.
Is this program available in all states?Yes, the program is available on a non-admitted basis in all 50 states and Washington, D.C.
Does the program accept accounts with prior claims?Yes, the program is designed to accommodate distressed or hard-to-place accounts, including those with prior claims or financial difficulties.
Need help placing an account? Connect with a market specialist.