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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.

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Directors & Officers Insurance Program from J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Directors & Officers (D&O) Insurance program designed to protect the leadership of a wide range of organizations. As a Managing General Agency (MGA) with access to 25 different insurance carriers, we help agents and brokers place competitive D&O solutions nationwide — all 50 states plus Washington, DC. Ideal Accounts and Target Classes This D&O program fits both for-profit and nonprofit entities. Typical classes include: Banking institutions and financial service groups Condominium and homeowners associations Nonprofit organizations across a variety of missions Youth amateur sports leagues and associations (Little League, Pop Warner, soccer clubs, Pony Baseball) Professional service firms that also need Errors & Omissions protection Most professional organizations with board-level exposures Whether the account is a small nonprofit board or a complex professional association, our markets can be matched to the client’s governance exposures. Example placements you might bring to market: A regional nonprofit with a volunteer board seeking coverage for management decisions and employment-related exposures. A youth sports league that needs low-cost D&O for volunteer coaches and directors combined with fidelity coverage to protect against theft or dishonest acts. Coverage Highlights and Program Features Our D&O program is built to address claims arising from management decisions, fiduciary duties, employment practices, and other board-level exposures. We also offer packages tailored to youth amateur sports organizations that pair D&O with fidelity coverage for stronger protection of volunteers and funds. Program highlights: Directors & Officers for Youth Amateur Sports: League Association — No charge for $1 million coverage (example program) Team Coverage — $275 per team for $1 million in protection (example program) Fidelity for Youth Amateur Sports: Example: $125 per team for $10,000 in fidelity coverage Underwriting Insight We maintain a broad underwriting appetite across many classes. Accounts are evaluated on a case-by-case basis with attention to governance, financial stability, and prior loss history. Our underwriting team will guide you to the best-fit carrier among our panel of 25 markets and can place both admitted and non-admitted options depending on state and risk profile. State Availability This program is available in all 50 states and Washington, DC. We can submit placements from California to New York, Texas to Vermont, and everywhere in between. Why Work With J.R. Olsen Bonds & Insurance Brokers, Inc.? As an MGA with long-standing carrier relationships, J.R. Olsen provides agents and brokers with direct access to multiple D&O markets and responsive underwriting. Our experience in niche sectors — especially youth amateur sports and nonprofit governance — helps you secure tailored, cost-effective placements for clients with volunteer leadership or complex board exposures. We streamline submissions and placement, so you can present competitive D&O options to your clients with confidence. If you need help evaluating a file or identifying the right carrier on our panel, our market specialists are available to assist. 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 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 options for youth amateur sports leagues such as Little League, soccer clubs, Pop Warner, and similar organizations. Which carriers back this program?We work with a panel of 25 different insurance carriers to deliver competitive quotes and coverage solutions tailored to client needs. Do you offer admitted and non-admitted options?Yes. Depending on the state and the specific exposure, we can place coverage through admitted or non-admitted carriers on our panel. Need help placing an account? Connect with a market specialist.

Affinity Nonprofits Directors' & Officers' (D&O) Liability Insurance Program — Custom D&O Solutions for Nonprofits Nonprofit organizations face exposures that differ significantly from for-profit entities. From event fundraising and volunteer management to regulatory oversight and board governance, nonprofits need D&O protection crafted for their mission, budgets, and volunteer-driven operations. The Affinity Nonprofits Directors' & Officers' (D&O) Liability Insurance Program from Affinity Specialty Program Network (ASPN), offered in partnership with carriers such as Hartford Financial Products, delivers tailored coverage and flexible limits designed specifically for a wide variety of nonprofit organizations. Ideal Accounts and Appetite Our program is a strong match for a broad spectrum of nonprofits, including: Alumni associations Chambers of commerce Country clubs Cemeteries Concerts and festivals Fitness clubs Foundations and fraternal organizations Historical and humane societies Land trusts and preservation groups Libraries and museums Rotary clubs Social service organizations Sporting events and symphony orchestras Theaters and performing arts groups If your client’s nonprofit is involved in community enrichment, education, professional development, or the arts and relies on volunteer leadership or public fundraising, this program is worth considering. Examples you can place here: A small community theater that runs seasonal productions, engages volunteers, and sells tickets — needs board and executive protection plus event-related exposures. A mid-size land trust that manages land projects, accepts donations and grants, and has a volunteer board — needs D&O plus fiduciary considerations for grant administration. Coverage Highlights and Advantages This D&O program provides comprehensive protection for nonprofit directors, officers, trustees, and key employees. Key features include: Liability limits up to $10,000,000 Defense costs typically paid outside the limit of liability Employment Practices Liability (EPL) including third-party coverage Personal injury and publishers liability Fiduciary (ERISA) defense cost coverage Duty-to-defend and entity identity (fraud) coverage extensions Expanded definition of loss including punitive and multiplied damages where insurable Broad insured definition covering part-time, seasonal, leased, and loaned employees Spousal/domestic partner coverage extension Breach of contract defense for non-employment disputes Sublimits for IRS 10% penalty tax and other regulatory fines Worldwide territory for most claims We also offer complementary products that let you build broader protection for nonprofit clients, including Showstoppers® Event Cancellation Insurance, Special Event General Liability, and Volunteer Accident Medical coverage. Underwriting Notes and Minimum Premiums Underwriting focuses on the nonprofit’s mission, governance practices, financial controls, volunteer exposure, and event activity. Minimum premiums vary by account size and risk characteristics; the program is positioned to be budget-conscious while preserving key coverages. ASPN’s underwriting team is experienced with nonprofit risk profiles and can work with you on policy wording, limits, and retention structure to place the account effectively. Territories and Availability This program is available on an admitted basis in all 50 states and Washington, DC: AL, AK, AZ, AR, CO, CT, DE, FL, GA, 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 ASPN Affinity Specialty Program Network (ASPN) develops and manages niche insurance programs for targeted markets. For nonprofit D&O placements, ASPN provides: Access to admitted capacity with established carriers such as Hartford Financial Products Underwriters who understand nonprofit operations, volunteer governance, and event risks A streamlined quoting and placement process tailored for agents and brokers Options to bundle complementary products for event-heavy or volunteer-driven organizations Whether you represent a small local arts group or a multi-state foundation, ASPN’s program offers scalable protection to help shield leadership and support organizational continuity. All descriptions, summaries, or highlights of coverage are for general informational purposes only and do not amend, alter, or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Insurance license information Frequently Asked Questions What types of nonprofit accounts are a good fit for this program?This program is designed for a wide range of nonprofit organizations such as alumni associations, chambers of commerce, social service providers, arts groups, and land trusts. It is ideal for nonprofits with volunteer involvement, public fundraising, or board governance. What are the liability limits available through this program?The program offers liability limits of up to $10 million, with defense costs paid outside the limits in most cases to help preserve policy benefits. Does the program include coverage for employment-related claims?Yes, Employment Practices Liability Coverage (EPL) is included, covering claims such as wrongful termination, discrimination, and harassment. Is this program available nationwide?Yes, the Affinity Nonprofits D&O Liability Insurance Program is available in all 50 states and Washington, DC on an admitted basis. Are additional coverages available to complement the D&O policy?Yes, optional coverages include Event Cancellation Insurance, Special Event General Liability, and Volunteer Accident Medical coverage. Need help placing an account? Connect with a market specialist.

Directors & Officers Insurance Program from Superior Access Superior Access Insurance Services, Inc. offers a focused Directors & Officers (D&O) Insurance program that helps protect the personal assets of directors, officers and in many cases the organization itself when leadership faces management-related claims. This wholesale program is designed for agents and brokers looking for flexible market access and tailored management liability solutions for privately held businesses, nonprofits, startups and other organizations. Ideal Accounts and Target Classes The program fits a wide range of management liability needs, including: Private companies with active boards or outside investors Nonprofit organizations and trade associations Startups and growth-stage firms preparing for funding Companies undergoing mergers, acquisitions, or internal restructuring Whether you represent a small volunteer-led nonprofit or a tech startup taking on outside capital, this D&O program can be tailored to the account’s governance and exposure profile. Coverage Highlights and Advantages Superior Access places D&O limits that address common leadership exposures and can layer optional protections to meet an insured’s needs. Common coverages and extensions include: Directors & Officers liability for alleged wrongful acts Employment Practices Liability (EPLI) for discrimination, harassment, and wrongful termination claims Entity-side coverage and Side A/B/C options where available Errors & Omissions for managerial advice or professional exposures tied to leadership decisions Bankruptcy or liquidation-related exposures Acquisition/investment-related claims and representational exposures Carriers and available forms vary by state and account characteristics; Superior Access works with multiple markets to assemble competitive and practical placements. Underwriting Notes and Minimum Premiums Underwriting for this program is responsive and designed to handle a broad risk spectrum. Minimum premiums and final terms depend on industry, revenue, employee count, governance practices, and claims history. Superior Access reviews each submission to identify the most appropriate admitted or non-admitted market for the account. Territories and Availability This D&O program is available in most U.S. states, including CA, TX, FL, NY, IL and GA, and Superior Access provides market access across Washington, D.C. and the continental United States. Availability may vary by carrier and coverage form, so confirm state eligibility when submitting. Why Work with Superior Access? As a wholesale broker specializing in professional and management liability, Superior Access offers agents streamlined access to multiple carrier partners and experienced underwriting support. Their strengths include: Fast quote turnaround and hands-on placement assistance Access to both admitted and non-admitted solutions depending on the account Flexibility to handle complex or non-standard risks Guidance on application presentation and loss-control considerations These capabilities help you place D&O business more efficiently and increase the chance of a successful placement for challenging accounts. Contact us today to learn more about our Directors & Officers program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for private companies, nonprofits, startups, and other organizations with boards or leadership teams that face management liability exposures. Is Employment Practices Liability Insurance (EPLI) included?EPLI is available as part of the D&O program and can be added to address claims such as discrimination, harassment, and wrongful termination. What is the minimum premium for this coverage?Minimum premiums vary by industry, size, and claims history. Contact Superior Access for underwriting guidance and a quote tailored to your client. Which states is this program available in?The D&O program is available in most U.S. states, including major markets. Confirm state-specific availability when you submit the account. Do you work with multiple carriers for this program?Yes. Superior Access works with a variety of carriers to provide flexible and competitive D&O solutions that match the account’s needs. Need help placing an account? Connect with a market specialist.

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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.