NIA's EPLI coverage: A must-have for nonprofits with employees.
When a nonprofit has any employees, all of its employment-related practices need to be up to date. These can include hiring, disability, accommodations, termination, wages and hours worked, benefits, and more.
NIA’s EPLI coverage can protect nonprofits against certain allegations of wrongdoing related to employment and interactions with employees.
Insured by NIA:
Redfish Music Festival
Port Orford, OR
Customize and buy what you need.
This coverage is included as part of Board & Executive, NIA’s name for a group of coverages that allows nonprofits to choose from three combinations of D&O, Fiduciary Liability, and EPLI.
Insured by NIA:
Healing Paws for Warriors
Fort Walton, FL
Highlighted Features:
D&O, Fiduciary, and EPLI
These coverages are for nonprofits that need a strong, robust coverage that protects a broad scope of potential liability.
By combining Directors & Officers (D&O), Fiduciary Liability, and Employment Practices Liability Insurance (EPLI), this option allows nonprofits to protect their board members and executive officers, as well as provide coverage for its employment and financial practices. Features include:
- Deductible options available
- $1 million policy limit: Aggregate limits to $2 million
- Umbrella limits up to $5 million available
- Defense costs outside the policy limits
- Prior Acts Coverage (subject to underwriting and additional premium)
- Individual member vs. individual member coverage included
- Broad definition of member-insured: Includes the nonprofit, as well as directors, trustees, officers, employees, volunteers, committee members, interns, students-in-training, and spouses
- Coverage extends to third-party harassment
- Broad Employment Practices Liability (EPLI) coverage
- ERISA sublimit of $250,000 included with $500,000 (subject to underwriting and additional premium)
- Punitive damages covered (in states where insurable)
- Free unlimited employment risk consultations
- Subsidized subscription to the Employee Handbook Builder
- Free online sexual harassment prevention training for supervisors (where required by state law)
Highlighted Features:
EPLI
NIA’s EPLI-only coverage is designed to cover a nonprofit’s employment practices, providing protection in the event of allegations of wrongdoing related to employment or the nonprofit’s employees. Features include:
- Deductible options available
- $1 million policy limit: Aggregate limits to $2 million
- Umbrella limits up to $5 million available
- Defense costs outside the policy limits
- Prior Acts Coverage (subject to underwriting and additional premium)
- Individual member vs. individual member coverage included
- Broad Employment Practices Liability (EPLI) coverage
- Punitive damages covered (in states where insurable)
- Free unlimited employment risk consultations
- Subsidized subscription to the Employee Handbook Builder
- Free online sexual harassment prevention training for supervisors (where required by state law)
Coverage checklist
This PDF allows you to print and compare coverage features with your clients.
Policy forms
Available for appointed brokers only on the NIA Broker Portal.
From the claims files:
Here are a few examples of how NIA’s Board & Executive Liability coverage helped nonprofits like yours.
Claim involving four employees who claimed they had been wrongfully terminated for complaining about unpaid wages.
An employee with ongoing performance problems was eventually terminated, but alleged he was not given an accommodation due to stress in his personal life.
A nonprofit was sued by a builder for breach of a construction project contract, claiming unpaid contract damages.
List of coverages:
Here’s the menu of NIA’s nonprofit insurance offerings.
Note: NIA’s Commercial General Liability coverage is required if you want to purchase any other coverages from NIA.
Coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury, or advertising injury. Liquor liability included at no extra fee.
Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.
Coverage for employees, volunteers, interns, students-in-training, and independent contractors for damages resulting from errors and omissions in the provision of certain professional services.
Board & Executive is NIA’s brand name for a group of coverages that provide protection for boards of directors and executives. Include options for Directors and Officers (D&O), Fiduciary Liability, and EPLI.
Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.
Coverage for the physical assets a nonprofit owns or leases — such as buildings, office equipment, computers, furniture, etc. Generous, modified BOP, includes business income and extra expense.
Limited coverage for injury to a volunteer or participant (depending on the coverage) on a no-fault basis. May apply prior to (or in excess of) an individual’s health insurance policy.
While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.