Directors & Officers Insurance
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Directors & Officers Insurance (D&O) and Employment Practices Liability Insurance (EPLI) are key components to a nonprofit’s risk management program.  D&O insurance indemnifies directors & officers of nonprofits for damages/defense costs arising from lawsuits alleging "wrongful acts.” These policies also reimburse nonprofits for any indemnification that their bylaws or state laws require.  Many individuals are reluctant to serve on a nonprofit board without D&O insurance.  Without this coverage, the individual may be forced to pay damages out of their personal assets. 

EPLI coverage protects the nonprofit from EEOC type allegations: Wrongful Termination, Failure to Hire or Promote, Discrimination, and Sexual Harassment are all insured under this coverage.  Many nonprofits do not have a full time HR staff to guide them with these employee issues when situations arise.  EPLI coverage is their risk management safety net.  

D&O and EPLI coverage are often purchased together and limits may be shared or separate depending on the insured’s preference. 

Please contact Scott Durbin at for more information. 


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