Directors & Officers (D&O)

Essential, affordable nonprofit D&O protection with multiple advantages.

Boards of directors are an essential part of nonprofit organizations’ structures and deserve to be well protected. Directors and Officers (D&O) Liability coverage from NIA offers a number of benefits.

Note: NIA’s Commercial General Liability is required if you want to purchase this coverage.

Three children wearing Boys & Girls Club t-shirts sitting on a green sports field

Insured by NIA:
Boys & Girls Clubs of Garden Grove
Garden Grove, CA

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.

a man wearing a baseball cap kisses a dog

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/domestic partners
  • Coverage extends to third-party harassment
  • Broad Employment Practices Liability (EPLI) coverage
  • ERISA sublimit of $250,000 is included with a $500,000 option available (subject to underwriting and additional premium)

Highlighted Features:

D&O and Fiduciary

These coverages are ideal for nonprofits that want strong protection for their board members, executives, and their financial practices — but may not have employees. By omitting EPLI, nonprofits get the coverage that’s tailored to fit their operations. 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
  • ERISA sublimit of $250,000 is included with a $500,000 option available (subject to underwriting and additional premium)
  • 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/domestic partners
  • Coverage extends to third-party harassment
  • Punitive damages covered (in states where insurable)

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.

Interested in getting coverage for your nonprofit?

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.

Commercial General Liability

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.

Improper Sexual Conduct and Physical Abuse Liability

Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.

Social Service Professional Liability

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 Liability

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.

Business Auto Liability and Physical Damage

Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.

Businessowners Property

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.

Participant/Volunteer Accident Coverage

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.

Umbrella Liability

While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.

Insurance Brokers: 

Learn more about working with NIA, how to become an NIA appointed broker, or how to submit 501(c)(3) business.

Directors & Officers (D&O) Key Features.

Directors & Officers (D&O) liability coverage from NIA can protect your board members and executives, offering a number of benefits, including:

  • Deductible options available, including $0 
  • $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 available (subject to additional premium)
  • Broad definition of member-insured: Includes the nonprofit, as well as directors, trustees, officers, employees, volunteers, committee members, interns, students-in-training, and spouses 
  • Breach of contract limit of $250,000 for defense (subject to additional premium)
  • Punitive damages covered (in states where insurable) 
  • Individual member vs. individual member coverage included