Directors' and Officers'

Regardless of the size and nature of the business, whether for profit or nonprofit, the directors and officers of Human and Social Service organizations face a variety of employment practices claims. Wrongful termination, harassment, discrimination, misrepresentation and the failure to employ or promote employees are just some of the possible allegations. Additionally, members of these organizations are susceptible to lawsuits that allege a wide range of offenses, including: copyright and/or patent infringement, unfair credentialing, disciplinary, peer review, and failure to deliver services.

The Charity Risk Division of Professional insured has developed a product to provide Executive Protection and Employment Practices Liability coverage.  This policy blends traditional non-profit D&O with broad Employment Practices Liability and extensive entity coverage to produce a state-of-the-art policy.

• Duty to Defend - On occasion, organization can select its own defense counsel, an allowance not common to the industry as a whole.
• Defense Expenses are in Addition to the Limit of Liability
• All Past, Present and Future Directors, Officers, Trustees and Employees are Covered – Volunteers, staff members, executive board members, and committee members are named as Insureds.
• Entity Coverage – Coverage for the organization itself and non-profit subsidiaries is automatically included.
• Broad Definition of Claim
• Broad Employment Practices Liability (EPL)