Nonprofit D&O

Nonprofit Directors & Officers Liability Insurance (NPDO) covers directors and officers for legal matters brought against them arising from employment-related matters, breach of duty, and errors and omissions when making business decisions on behalf of the association. If you serve on a local nonprofit board or have clients that do, it's imperative to maintain an NPDO liability policy from a quality carrier with an adequate limit of liability. Increasingly common are lawsuits brought by employees, customers, vendors and government agencies. If a nonprofit carries any type of retirement plan, it should consider Fiduciary Liability coverage.

NPDO can be quoted through, Progressive's quoting platform. If you are a non-Progressive agent, complete our "Agent Appointment" form and a member of our team will contact you.

  • Policies from "A" (A.M. Best) and high rated insurance companies
  • Includes Employment Practices Liability
  • Fiduciary Liability
  • Duty-to-Defend
  • Full entity coverage
  • Prior Acts coverage
  • Coverage for volunteers, leased and seasonal
  • Third party coverage
  • Defense costs in addition to limit of liability
  • Broad definition of Insured Persons
  • Toll-free hotline for Employment Practices matters
  • Risk management resources such as sample workplace policies and guide to avoiding workplace claims 
  • Aggregate or separate limits available up to $10,000,000
  • Retentions starting at $0
  • Minimum premium of $700 (for qualified organizations)

Nonprofit D&O Highlights

Nonprofit Liability Claims Example

Preferred Classes
  • Art, culture and humanities clubs
  • Chambers of Commerce
  • Recreation, leisure and sporting organizations 
  • Religious organizations
  • Retirement communities
  • Private schools
  • Trade associations
  • Cooperatives
Samples of Restricted Classes
  • Activist groups
  • Blood/organ banks
  • Country clubs/golf clubs
  • Government entities
  • Schools, colleges and universities
  • Family planning clinics

Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind. All coverage descriptions and claims examples are provided for informational and educational purposes only and are not a representation as to coverage for any particular claim and are not represented to be error free. Coverage for any claim is determined upon the specific facts of the claim, the terms and conditions of the policy and applicable law. For details on the coverage provided by your specific contract of insurance, please refer to your policy. Coverage is subject to underwriting guidelines and may not be available in all states. Limits may be capped for underwriting reasons. Any links to any sites which are not originated by ABA Insurance Services Inc. (ABAIS) are provided only as a courtesy and are not intended to nor do they constitute an endorsement by ABAIS of the linked materials.