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Founded in 1986 and celebrating its 25th Anniversary ARC Excess & Surplus has grown to become one the largest wholesale insurance brokerages in the country. Our ability to understand your needs and capitalize on our carrier relationships, positions us as an industry leader where “We Get it Done.” ARC has always delivered the best in class product in less time allowing our clients to focus their time on producing new business. We are former underwriters, we know what the underwriters want, we speak their language, we have “walked the walk”. We understand that there is an art to negotiating and our past experience helps us negotiate for our clients and customers. Health Care Directors and Officers Professional Liability Insurance Health Care Directors and Officers Liability Insurance (including optional Entity, Employment Practices, and Third Party Liability coverage’s) is designed to help protect the personal assets of a health care organization’s directors and officers, as well as the financial well-being of the organization. A few highlights: Ability to provide customized coverage enhancements not available in the general market place. Directors and Officers including Employment Practices Liability, customized for the unique healthcare industry’s exposures Highest caliber of brokerage services in the industry Highly experienced legal team to work on your account Need Help Placing Coverage for: Clinic/Medical Directors and Officers Clinics Directors and Officers Hospitals Directors and Officers Liability Directors and Officers Liability/Physicians Medical Facilities/Clinics Directors and Officers Health Care Directors and Officers Health Care Facilities Directors and Officers HMO, IPA, PPO, POS, ACO No Problem

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.

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

Private Company Directors & Officers Insurance (D&O) Do your clients have the right Private Company Directors & Officers (D&O) protection? Tennant Risk Services offers tailored D&O programs for private, public and non-profit organizations — backed by broad market access and underwriting expertise. We deliver competitive terms, fast turnaround, and placement options across admitted and excess & surplus markets so you can place difficult or high-exposure accounts with confidence. Tennant Risk Services provides Private Company Directors & Officers Insurance (D&O) for a wide range of organizations. Tell us about your client and we will respond quickly with market options and competitive pricing. Our underwriting is focused on getting broad coverage at lower cost whenever appropriate for the risk. Classes and target account types: Private companies Public companies Non-profit entities Associations & unions Initial public offerings (IPOs) Limited and other partnerships Trusts & trustees Special coverage provisions and optional modules: Side A Excess (A-Side) coverage Individual directorship coverage Custom programs for groups or pooled arrangements Ability to combine with EPL, Cyber, Fiduciary, Crime, Professional E&O where appropriate Tougher accounts? Put our D&O expertise to work. We routinely handle placement challenges such as: Adverse loss experience Unique or complex financial structures Financially distressed entities and recapitalizations Public officials and quasi-governmental entities Reps & warranties-related exposures Program highlights and advantages: Minimum premiums as low as $750 Multiple markets — carrier placement varies by risk, size and territory Wide variety of limit and deductible options; separate limits available Risk management services and loss-control support Flexible admitted and E&S solutions through our MGA and broker relationships Representative D&O account examples agents place through this program: Private company — specialty equipment rental: $1M limit, $8,000 premium (example placement). Public company — biopharmaceutical research: $5M limit, $83,000 premium (example placement). Non-profit — recreational association: $1M limit, $1,000 premium (example placement). Private company — equipment distributor: $5M limit, $12,000 premium (example placement). Underwriting notes and how to submit Tennant Risk Services acts as a Managing General Agency and Excess & Surplus Lines broker with access to multiple carriers. Provide standard D&O submission materials (application, financials, corporate structure, prior loss runs and any IPO or transactional documents if applicable). Minimum premiums can start around $750; final pricing depends on exposure, limits, and attachment points. Territories and availability This D&O program is available in the following states: 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. Coverage placement and admitted vs. non-admitted options vary by state and carrier. Why work with Tennant Risk Services on D&O We focus on specialty D&O business and complicated placements — from IPO readiness to distressed transactions. Our strengths include broad market relationships, tailored program design (including Side A and individual directorship solutions), and underwriting that seeks to balance coverage breadth with competitive pricing. We support retail agents with expert guidance through placement and policy issuance. For more information, to discuss a specific client challenge, or to submit an account, please call or email ([email protected]). We look forward to partnering with you. Put our Directors & Officers Insurance (D&O) expertise to work for you! Frequently Asked Questions What types of accounts are a good fit for Tennant's Private Company D&O program?Private and public companies, non-profits, associations, partnerships, trusts and IPO-bound firms are core targets. The program also handles tougher risks such as financially distressed entities, recapitalizations and organizations with adverse loss history. Which coverages and policy features can I request through this program?You can pursue primary and excess D&O limits, Side A excess, individual directorship coverage, and package placements that include EPL, Cyber, Fiduciary, Crime or Professional E&O where markets permit. What submission materials does Tennant typically require?Provide a completed application, recent financial statements, corporate structure details, prior loss runs and any IPO or transaction documentation. The underwriters will advise on additional items based on the account. How are markets and admitted status determined?Tennant places business with multiple carriers; admitted versus non-admitted placement depends on the state, carrier appetite and the client’s risk profile. Expect flexibility through our MGA and E&S broker channels. Is there a minimum premium or small-account option?Yes — minimum premiums can start around $750. Final premium depends on limits, deductible, exposure and carrier selection. Need help placing an account? Connect with a market specialist.

Non-Profit Directors & Officers Insurance (D&O) Tennant Risk Services offers a robust Non-Profit Directors & Officers (D&O) Insurance program tailored for private and non-profit organizations. As a specialized Managing General Agency and Excess & Surplus Lines Broker, we understand the unique liabilities faced by board members, officers, and decision-makers within these entities. We provide expert guidance, fast turnaround times, and access to multiple carriers nationwide to help you find the right solution for your clients. Our D&O insurance solutions are structured to respond to a wide range of exposures for both traditional and more complex operations. Whether your insured is a small nonprofit or a financially distressed private company, we work to secure broad coverage at competitive rates. Target Classes Include: Non-Profit Entities Private Companies Public Companies Associations & Unions Limited & Other Partnerships Trusts & Trustees Special Coverage Options: Side A Excess Coverage Individual Directorship Coverage Custom Group Programs Challenging Risks? We Can Help. We routinely handle difficult-to-place accounts with: Trustee and Partnership Exposures Adverse Loss History Complex or Unique Financial Structures Financially Distressed Entities Public Officials Quasi-Governmental Organizations Program Highlights: Minimum premiums starting at $750 Optional coverages: EPL, Cyber, Fiduciary, Crime, E&O Risk management services included Flexible deductibles and limits Separate limits available for key coverages Sample Placed Accounts: Non-Profit Recreational Association – $1M Limit at $1,000 Premium Private Company, Specialty Equipment Rental – $1M Limit at $8,000 Premium Public Company, Biopharmaceutical Research – $5M Limit at $83,000 Premium Private Equipment Distributor – $5M Limit at $12,000 Premium Our D&O insurance program is available in all states, including DC. Coverage may be admitted or non-admitted depending on the risk, territory, and size of the account. We work with a broad range of carriers to provide the best fit for each client’s needs. Tennant Risk Services supports retail agents and brokers with unmatched service, expert underwriting, and access to top-tier markets. Whether you're working on a standard placement or a tough D&O risk, let our experienced team help you deliver value to your clients. For more information or to submit an account, please call or email us. We look forward to working with you! Put our Directors & Officers Insurance (D&O) Expertise to Work for You! Frequently Asked Questions What types of accounts are a good fit for this program?We target non-profits, private companies, associations, unions, partnerships, and trusts. We also handle challenging accounts with complex financials or prior losses. Can this program address hard-to-place risks?Yes. We specialize in tough D&O placements, including financially distressed entities, unique financial structures, and trustee exposures. Is coverage available in all states?Yes, our D&O program is available in all 50 states and DC. Coverage may be admitted or non-admitted depending on the specific risk. Are additional coverages like EPL or Cyber available?Yes. We can include Employment Practices Liability, Cyber Liability, Fiduciary, Crime, and E&O as part of the D&O package. What is the minimum premium for this program?Minimum premiums start as low as $750, depending on the account size, risk profile, and coverage selected. Need help placing an account? Connect with a market specialist.

J.M. Wilson Corp. offers a comprehensive Non-Profit Directors & Officers (D&O) Insurance program designed to protect nonprofit leaders from personal liability arising out of their organizational roles. This solution is ideal for agents and brokers seeking a flexible, competitively priced option for nonprofit clients with evolving risk exposures. Ideal Accounts and Appetite This program is specifically tailored for a wide range of nonprofit organizations, including charitable foundations, community service groups, educational nonprofits, religious institutions, and membership associations. It's a great fit for accounts where leadership is involved in strategic decision-making, fundraising, employment practices, and fiduciary responsibilities. You might have a client who serves on the board of a regional arts council or a nonprofit that provides youth mentoring — both could benefit from this coverage. The program is built to handle the unique exposures nonprofits face, including claims related to employment practices, third-party interactions, and data breaches. Coverage Highlights and Advantages Defense costs are outside the policy limit at no additional charge Separate limits available for Employment Practices Liability (EPL) and Fiduciary Liability Includes Prior Acts and Third-Party Coverage $150,000 sublimit for defense of Fair Labor Standards Act (FLSA) claims Personal Injury and Retaliation Coverage included Crisis Fund available for reputational damage due to donor data breaches Worldwide Coverage to protect leadership regardless of geography Primary admitted policy available Underwriting Notes and Minimum Premiums Minimum premiums start at $700, making this program accessible for a wide range of nonprofit budgets. Limits are available up to $10 million for both primary and excess coverage. Retentions can be as low as $0 for both the organization and individual insureds, depending on the risk profile and carrier appetite. Territories and Availability This Non-Profit D&O Insurance program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. J.M. Wilson represents a range of both admitted and non-admitted carriers, allowing for flexibility in underwriting and placement. Why Work With J.M. Wilson Corp.? J.M. Wilson is a trusted Managing General Agency and Excess & Surplus Lines Broker with decades of experience working with independent agents and brokers. Their team understands the nuances of nonprofit risk and offers responsive service, deep market access, and underwriting expertise. Whether you're placing a small community nonprofit or a regional organization with complex exposures, J.M. Wilson can help you find the right fit quickly and efficiently. Frequently Asked Questions What types of nonprofit organizations are eligible for this D&O program?This program is ideal for charitable, educational, religious, and community-based nonprofits. Organizations with active boards, fundraising activities, and staff are typically a good fit. Is coverage available on an admitted basis?Yes, the primary policy is admitted. However, J.M. Wilson also works with both admitted and non-admitted carriers to meet various underwriting needs. Can this program provide Employment Practices Liability and Fiduciary Liability?Yes, separate limits for EPL and Fiduciary Liability are available, allowing tailored protection for these exposures. What is the minimum premium for this program?Minimum premiums start at $700, depending on the risk profile and coverage needs of the nonprofit organization. Which states is this program available in?This program is currently offered in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. 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.

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.