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Directors and Officers Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Directors and Officers (D&O) Liability Insurance program tailored to address the evolving risks faced by executives and board members. As a wholesale broker with access to multiple carriers, First Choice provides insurance agents and brokers with a reliable market to place D&O coverage for privately held companies, publicly traded firms, and non-profit organizations. Ideal Accounts and Appetite This D&O program is designed for a broad range of businesses and organizations where leadership could be exposed to personal liability due to management decisions. Target classes include: Privately held and publicly traded companies Non-profit organizations and associations Educational institutions and healthcare entities Technology firms and financial services companies Accounts with a stable financial history and strong internal governance are typically a good fit. You might have a client who recently brought in new investors and needs D&O coverage to protect the board, or a growing non-profit where the board of directors is concerned about fiduciary responsibility exposures. Coverage Highlights and Advantages Directors and Officers Liability Insurance provides essential protection against claims arising from alleged wrongful acts committed by directors and officers in their capacity as leaders. Policies typically include: Insuring Agreement A (A-Side Coverage): Direct coverage for directors and officers when the company cannot indemnify them. Insuring Agreement B (B-Side Coverage): Reimbursement to the company when it indemnifies its directors and officers. Optional Entity Coverage: Protection for the corporation against securities-related claims, if applicable. Defense Costs: Covered for investigations, regulatory actions, and lawsuits. This program is structured to address both individual and corporate exposures, making it a strong solution for clients facing increasing scrutiny from shareholders, regulators, or the public. Underwriting Notes and Minimum Premiums First Choice works closely with agents to evaluate financials, loss history, and management practices. While minimum premiums are not listed, submissions should include full applications, financial statements, and claims history for best consideration. Non-admitted options provide greater underwriting flexibility for complex or higher-risk exposures. Territories and Availability This D&O insurance program is available on a non-admitted basis in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. First Choice offers regional expertise backed by national market access. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. brings deep experience in D&O and executive liability lines. They offer responsive service, a diverse carrier network, and the underwriting insight agents need to place complex risks. Whether you're working with a startup or a mature company, First Choice can help you deliver tailored solutions that protect your clients’ leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private and public companies, non-profits, and professional organizations with board-level exposures and a need for executive protection. Does this program offer entity coverage for securities claims?Yes, many policies available through First Choice offer optional entity coverage for securities-related claims, subject to underwriting approval. Is the coverage admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What underwriting information is needed to submit a risk?Typical submissions should include a completed D&O application, current financial statements, and a history of any past claims or litigation involving directors or officers. In which states is this program available?This program is available in 30 states, including CA, FL, NY, TX, IL, and others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

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.

Non Profit D&O (NFP D&O) 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.

Overview — Smith Bell & Thompson, Inc. Directors & Officers Liability Smith Bell & Thompson, Inc. offers a Directors & Officers Liability program designed for health care organizations — both non-profit and for-profit — and other allied classes where entity and management liability exposures are present. This program provides entity coverage for the named organization and side A/B/C protections for directors, officers and employees, with capacity placed through AIG. It is intended as a practical market for agents who need broad D&O protection with flexible underwriting for national program classes. Ideal accounts and appetite Health care providers and networks, including home care and community health organizations (both nonprofit and for-profit). Trade and membership associations, and other program-style organizations that require entity coverage and management protection. Organizations with defined governance structures and standard financial controls; preferred accounts have documented risk management and claims histories that are manageable. Special consideration and pricing available for National Association for Home Care (NAHC) members. Coverage highlights and advantages Entity coverage included — policy can cover the organization itself as well as individual directors, officers and employees. Broad definition of employment practices (EPLI) claims is available, helping address wrongful termination, discrimination and similar employment exposures. Access to AIG capacity gives broad industry recognition and claims handling experience for complex management liability matters. Program-oriented underwriting that understands multi-entity structures common in health care and association accounts. Underwriting notes and typical restrictions Underwriters look for clear governance, reasonable internal controls, and documented employment practices. Accounts with ongoing regulatory investigations, multiple recent management liability losses, or severe financial distress should be submitted with full explanation and may be declined or subject to restrictive terms. When you submit, include the organization’s bylaws, most recent financial statement, claims history (D&O/EPLI), and any employment policies. These items speed placement and improve the chance of competitive terms. Example scenarios — when to use this program You have a midsize home care agency that recently expanded into multiple states and wants entity-level D&O protection plus EPL coverage for its management team. NAHC membership can help secure preferred pricing. An association of health care providers seeks a single program policy to cover the trade association and its board members. The program’s entity coverage and AIG capacity provide a workable solution for that structure. Territories and availability Available for placement in the following states and territories: 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, DC, WV, WI, WY. Why place D&O with Smith Bell & Thompson, Inc. Program focus on health care and association classes means underwriting and policy wordings tailored to your clients’ exposures. Broad EPLI language and entity coverage help reduce coverage gaps for multi-entity and management exposures. Placement with an experienced market (AIG) and a wholesaler that understands program business helps streamline submission-to-quote turnaround. Special NAHC member pricing is a differentiator when placing home care accounts. Frequently Asked Questions What types of health care accounts work best for this D&O program?Mid-sized to larger home care agencies, community health organizations, and trade associations are a good fit—especially those with documented governance, clean claims histories, and standard employment practices. NAHC members can access special pricing. Does the policy include entity coverage and EPLI?Yes. The program can provide named organization (entity) coverage and includes a broad definition of employment practices (EPLI) claims, protecting both the entity and individual directors, officers and employees. What submission materials speed up underwriting?Provide the organization’s bylaws, most recent financial statement, D&O/EPLI loss run, and employment policies. Complete background on any pending regulatory or litigation matters should also be included. Which carrier capacity is used for this program?Capacity for this Directors & Officers Liability program is provided through AIG. Which states is this program available in?The program is available in most U.S. states and DC, 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, DC, WV, WI and WY. Need help placing an account? Connect with a market specialist.

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.

Directors and Officers Liability Insurance Program from A.I.I. Insurance Brokerage of MA At A.I.I. Insurance Brokerage of MA, we understand the management liability exposures directors and officers face today. Our Directors and Officers (D&O) Liability Insurance program helps independent agents and brokers place coverage for clients that need protection against alleged wrongful acts, errors, or omissions by management. We place D&O through our Excess & Surplus Lines Brokerage platform and provide access to a range of carrier partners. With available markets across Massachusetts (MA), Maine (ME), New Hampshire (NH), and Rhode Island (RI), we offer flexible solutions tailored to each organization’s governance and risk profile. Ideal Accounts and Appetite This program is best suited for: Private companies of all sizes Nonprofit organizations, including educational, healthcare, and charitable groups Community associations and boards Start-ups and emerging businesses with active boards We consider a broad range of industries, including technology firms, manufacturers, and professional/service businesses. Accounts with prior coverage, documented governance, and risk management practices are typically more competitive in the market. Not typically a fit: publicly traded companies, organizations with unresolved litigation targeting directors or officers, or entities in severely distressed financial condition. Coverage Highlights and Advantages The program provides flexible D&O options that can be tailored by carrier and account size. Core features commonly available include: Coverage for past, present, and future directors and officers Protection for claims alleging wrongful acts, errors, or omissions by management Defense costs and settlement expenses addressed within the policy Optional endorsements such as Employment Practices Liability (EPLI) and Fiduciary Liability Competitive quoting through multiple carrier partners to help you find the best placement Example: You might have a New Hampshire nonprofit whose board is concerned about personal exposure from volunteer directors. This program can help secure D&O protection specific to nonprofit governance risks. Underwriting Notes and Minimum Premiums Minimum premiums vary by carrier, industry class, coverage limits, and the account’s risk characteristics. Typical underwriting requirements include a completed D&O application, recent financial statements, claims history, and information about board composition and governance policies. We work with carriers that consider proactive corporate governance and documented loss controls favorably. Territories and Availability The program is currently available in: Massachusetts (MA) Maine (ME) New Hampshire (NH) Rhode Island (RI) Coverage is written on a non-admitted basis in most available markets, which allows for broader form flexibility and customized endorsements where appropriate. Why Work With A.I.I. Insurance Brokerage of MA As an Excess & Surplus Lines Broker, A.I.I. Insurance Brokerage of MA gives independent agents access to a diverse panel of D&O carriers and experienced underwriting support. Our team focuses on specialty management liability risks and can help place accounts that do not fit standard admitted markets. We emphasize responsive service, competitive options, and practical underwriting guidance to improve placement success. Learn more about our brokerage at our company profile. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, nonprofits, and associations with active boards that need management liability protection. Which states is this program available in?The program is currently available in Massachusetts, Maine, New Hampshire, and Rhode Island. Is this an admitted or non-admitted program?Most markets we access for this program are non-admitted, which provides greater flexibility in forms and endorsements. What information is needed to get a quote?Typical submissions include a completed D&O application, financial statements, claims history, and details on board structure and governance controls. Can EPLI be included with this program?Yes. Employment Practices Liability Insurance can often be added as an endorsement depending on the carrier and the account’s risk profile. Need help placing an account? Connect with a market specialist.

Overview of the D&O Public Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers the D&O Public program to help you place directors & officers and employment practices liability for publicly held entities and other organizations with public exposures. Backed by a broad carrier network (ExecutivePerils is appointed with over 35 insurance companies), this program pairs flexible coverage options with enhanced market access to protect executives, boards and the corporate entity. Ideal Accounts and Appetite Publicly traded companies across small- and mid-cap segments Private companies preparing for IPO or with imminent public filings Organizations that need combined D&O and Employment Practices Liability (EPL) placements Non-profit 501(c)(3) board service exposures (automatic coverage for service on nonprofit boards) Typical accounts fit a range of revenue and employee sizes; underwriters favor firms with controlled governance, clear employment practices, and manageable litigation history. The program also supports stand-alone D&O placements and optional fiduciary liability extensions for retirement plan exposures. Coverage Highlights and Advantages Separate limits for Directors & Officers Liability and Employment Practices Liability EPL defense costs provided outside the limit of liability for firms with up to 200 employees Unlimited extended reporting period for former directors and officers Occurrence-form protection to address certain claim timing concerns EPL wrongful act coverage that lists 12 named perils, including claims arising from internet use and third-party sexual harassment Optional third-party discrimination coverage when EPL is purchased Automatic entity coverage included in both the D&O and EPL coverage parts Full prior-acts coverage and punitive damages where insurable by law Spousal extension and automatic coverage for service on nonprofit 501(c)(3) boards Underwriting Notes Underwriters will review governance practices, financial condition, regulatory or securities exposures, employment practices, and prior claim or litigation history. The program accommodates both combined D&O/EPL placements and stand-alone D&O policies. Optional features such as fiduciary liability and third-party discrimination can be added when appropriate. Key underwriting observations: EPL defense costs outside the limit apply for employers with up to 200 employees — this can materially reduce erosion of limits on smaller accounts. Unlimited extended reporting periods for former directors & officers are available, which is attractive for companies with board turnover or M&A activity. Full prior acts coverage is included, simplifying placements for clients converting from other carriers. Example Account Scenarios You have a public technology company with 150 employees facing heightened employment exposure after a workforce reduction. This program’s EPL features (defense outside the limit and broad wrongful-act perils) can help preserve limits for securities exposures. You’re placing D&O for a small public retailer preparing for an IPO. The occurrence-form protection, unlimited extended reporting for former officers, and optional fiduciary extension address pre- and post-IPO risks. Territories and Availability Available in: 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, DC, WV, WI, WY. Why Work with ExecutivePerils, Inc. on D&O Public Deep carrier access: appointed with 35+ markets to place diverse public-company risks. Program flexibility: modular options let you tailor D&O, EPL, fiduciary and entity coverages for each account. Agent-focused service: underwriting teams experienced in public company exposures and IPO transitions. Claims-conscious wording: full prior acts and unlimited extended reporting provide continuity for clients moving between markets. Frequently Asked Questions What types of public companies are a good fit for this D&O Public program?Small- to mid-cap public companies, private firms preparing for an IPO, and organizations with standard governance and manageable litigation history are primary targets. The program also supports non-profit board service exposures. How does the EPL defense costs outside the limit work?For firms with up to 200 employees, EPL defense costs are paid outside the limit of liability, which preserves the limit for indemnity payments and securities exposures. Confirm employee counts with underwriters during submission. Is prior-acts coverage included?Yes — the program includes full prior acts coverage, helping ensure continuity when a client is switching carriers or renewing with new terms. What optional extensions are available?Options include stand-alone D&O, fiduciary liability extensions, and third-party discrimination when EPL is purchased. Availability and limits depend on carrier appetite and account specifics. Which states can I submit risks from?This program is available in the full list of states shown in the storefront (including the District of Columbia). Check with underwriting for any state-specific filing or form requirements. Need help placing an account? Connect with a market specialist.