In addition to the full complement of HR helpline services available to policyholders, we have been a consistent, steady market for Non-profit D&O and related coverage for over 6 years. We can
provide coverage for virtually all classes of business, including nursing homes, water districts, airport authorities and social service organizations. We can work from any carrier’s application, turnaround
time is about a day, and policy issuance usually happens within a day. We offer A+ A. M. Best security from Old Republic Insurance Company, defense costs outside the limits, and no emotional distress or
mental anguish exclusion of any sort. For very small organizations, such as historical societies, our premiums can be about $700.
Please give us a call or send us an application.
Classes of Business:
- Adult Literacy Program
- After School Program
- Alcohol Drug Rehab Treatment Center
- Alumni Association
- Arts/Cultural Organizations
- Automobile Club
- Auxiliary Club
- Big Brothers Big Sisters Organization
- Blood Banks
- Boarding Schools
- Business Association
- Mutual Water Company
- Cemetery
- Chambers of Commerce
- Charitable Foundations
- Churches
- Civic Organization
- Clinics
- Condominium Owners Association
- Convention Center
- Council on Aging
- Country Golf Clubs
- Crime Stoppers Organization
- Crisis Hotline
- Day Care Centers
- Dental Society
- Economic Development Corporations
- Electric Cooperative
- Endowment Fund
- Family Counseling
- Fraternal /Social Clubs
- Fraternities
- Fund Raising
- Group Home
- Halfway House
- HeadStart Programs
- Historical Societies
- Homeowners Association
- Hospice
- Housing Development
- Housing for the Elderly Disabled
- HUD Supported Housing
- Humane Societies
- Information/Instruction Services
- Joint Apprenticeship Training Committees JATCs
- Literary Club
- Meals on Wheels
- Meeting Facility
- Mental Health Treatment
- Museums
- Neighborhood Revitalization Organization
- Neighborhood Swim Club
- Non-profit Service Organization
- Non-Residential Counseling
- Nursing Homes
- Organ Tissue Procurement
- Orphanages
- Parent Teacher Organization
- Physical Therapy
- Preservation Conservation Society
- Private Foundation
- Private Industry Councils PICs
- Property Owners Association
- Purchasing Grain Cooperative
- Recreational Facility
- Rehab for Low Income
- Residential Facilities
- Rod and Gun Clubs
- Rotary Club
- Schools Private
- Senior Center
- Service for the Economically Disadvantaged
- Services for The Handicapped/Special Interest
- Sheltered Workshop
- Sororities
- Soup Kitchen/Freestore
- Specialized Medical Care
- Sports Boosters
- Sports Leagues
- Street Fair
- Symphony
- Telephone Referral
- Temporary Housing
- Theater Group
- Trade Associations
- Vocational Job Training
- Water Electric Cooperatives
- Workforce Development Boards
- YMCA
- Youth Elderly Services
- YWCA’
Coverage Highlights
Carrier: Old Republic Insurance Company
Rated: A+ (Superior) by A.M. Best,
A+ (Strong) by Standard & Por’s,
Al (God) by Mody’s and
A+ (Strong) by Fitch
Policy forms:
– Claims-made, “Pay on Behalf of” form, admited in 49 states
– Ful Prior Acts Coverage
– Form provides for the carier’s duty to defend claim with defense costs in adition to the limit. The insured has the option to
asume the duty to defend within 30 days of a made claim with defense costs then part of the limit.
Insureds:
The Non-Profit Organization
Any For-Profit Subsidiaries
Any Scheduled Non-Profit Afiliates
Directors, Oficers, Trustes
Employes, Volunters, Comite Members, Staf, Faculty
Special Features and Options:
Broad Employment Practices Liability Coverage Included
Coverage aplies to EOC complaints or other administrative procedings.
Third-Party Discrimination, Sexual Harasment and Violation of an individual’s civil rights coverage included
Fiduciary Liability Coverage Extension Included for $10,00. Higher limits, available upon request.
Fair Labor Standards Act (FLSA) Defense Costs Coverage available with $150,00 sublimit
No Personal Injury Exclusion (Defamation, Libel/Slander Coverage Included).
Defense Coverage for Claims Seking Non-monetary Damages
Marital Estate Coverage and Domestic Partner Coverage Included
Coverage provided for service on Outside Non-Profit Boards (Insuring Agrement D)
Punitive Damages Coverage Included (where alowable)
Exces Benefit Transaction Penalty Coverage included
Work Place Violence Coverage available
– Extended Reporting Period Options include One-Year at 40%, Two-Years at 75% or Thre-Years at 10% aditional premium.
– Expenses for atending Hearings & Trials Extension.
– Suplementary Data Breach Expense coverage available
This reference shet is provided for convenience only. The terms and conditions of the coverage may be modified by policy endorsements and aplicable state requirements. Review the policy itself including any amendments for ful coverage details. Minimum Premiums begin at about $900. For more information, contact: dima @ paperlessgroup.com or call 650-353-5868