Nonprofit Directors and Officers and Employment Practices Liability

Offered by Osprey Underwriters

D&O D & O Liability EPL Non Profit EPL Non Profit D&O EPLI Nonprofits Nonprofit Organizations


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As a director or officer of a non profit organization, are you immune from liability?

  • Immunity does not prevent an organization from being sued
  • Immunity typically applies to volunteers, not to paid employees or the organization itself
  • Employment-related laws are the same for any type of organization
  • Over 90% of the claims against nonprofit organizers are employment practices-related
  • These employment practices claims may include wrong termination, third-party sexual harassment, and third-party discrimination
  • Nearly 85% of nonprofits have an annual budget that is less than the average cost to defend a claim closed by litigation

Coverage Features

  • Separate limits of liability for D&O and EPL claims (D&O Limit not eroded by employment claims)
  • Defense outside the limit of liability on all claims
  • Punitive damages, where insurable by law, included automatically in most states
  • Third-party sexual harassment and third-party discrimination coverage
  • Lifetime occurrence reporting provision (Occurrence feature for former D&Os)
  • Coverage for both monetary and non-monetary claims
  • Coverage for outside directorship liability
  • Risk management services
  • Fair Labor standards Act (FLSA) $100,000 sublimit for defense and settlement (available in most states)
  • Optional Standard Form option; combined D&O and EPL limit, defense inside the limit, excludes helpline and FLSA


Has Pen

Carrier Information


Listing Contact

Osprey Underwriters

Offered By

Osprey Underwriters

20 listings in 50 states + DC

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Availability 50 states + DC

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