What We Cover

Directors and Officers Liability Insurance

The altruistic drive to make a difference sometimes comes with intricate challenges and unforeseen risks. D&O Liability Insurance is crafted to shield the guiding stars of non-profit entities: its leadership.

What It Covers

Decision-making liability — claims stemming from decisions that allegedly harm the organization or its stakeholders
Employment decisions — claims from employees or candidates related to hiring, firing, promotions, or discrimination
Regulatory and compliance issues — possible regulatory, statutory, or compliance breaches
Financial mismanagement — allegations related to misuse of funds

Worth Confirming

Fraud or personal profiting by a director
Pending litigation known before the policy’s inception
Bodily injury and property damage — those fall under General Liability

Why Baker Romero

Specialists, not
generalists.

Tailored Protection

Designed to align with your organizational structure

Affordability and Quality

Top-tier coverage without straining resources

Expert Consultation

Professionals adept at understanding non-profit operations

Round-the-Clock Support

A constant pillar of support for your needs

How It Plays Out

An illustrative
example.

A board’s decision to close a program was challenged by a member alleging breach of fiduciary duty. D&O coverage funded the board’s legal defense while the matter was resolved.

Illustrative only — not a specific client case.

Who Needs This

Organizations we place
this for.

Group Homes

Shelters & Transitional Housing

Questions

Questions we
get asked.

Is D&O insurance mandatory for non-profits?

Not always legally mandatory, but highly recommended — it protects leadership and the organization from potential financial and reputational risks.

Can small nonprofits benefit from this coverage?

Definitely — nonprofits of any size can face claims related to leadership decisions.

What's not covered under D&O insurance?

Generally excludes claims related to fraud, personal profiting, pending litigation known before the policy’s inception, and bodily injury or property damage.

Related Coverages

Coverages that often
go with this one.

Management Liability

Employment Practices

Fiduciary

Let’s find the right fit.

Tell us how your organization actually runs and we’ll tell you what you need — or call and ask for Lillian.