Nonprofit Liability

Nonprofit Liability Insurance helps protect the assets of a nonprofit organization and its individual directors, officers and employees from expenses arising from allegations of wrongful acts.

We design insurance programs specifically suited for the unique liability exposures of nonprofit organizations.

Since 1992, Berkley Select has written over 100,000 Nonprofit Liability policies and paid over $81 million in claims.

Nonprofit Liability Coverage Features

  • Worldwide coverage

  • Limits of liability up to $5 million aggregate available for D&O, EPL, and Fiduciary

  • Primary or excess coverage available

  • Deductibles as low as $0 for individuals and $500 for entities

  • Defense costs in addition to the limit of liability

  • EEOC (or state equivalent) coverage includes full-time, part-time, leased employees, volunteers, and independent contractors

  • Full prior acts coverage

  • Third party harassment/discrimination

  • Includes domestic partner & spousal coverage 80/20 consent to settle clause

  • Automatic 3 year tail for former Directors & Officers (EPL)

  • Non-cancellable except for nonpayment of premium

  • 100% Defense Allocation

  • Priority of payments

  • Compliance Resolutions cost coverage

  • 60-day automatic extended reporting periods, with options for 12, 24, and 36 months

Optional Coverage Provided by Endorsement

  • Sublimit for costs of defense for claims alleging violation(s) of the Fair Labor Standards Act (FLSA)
  • Waiver of deductible (if ruling of no liability obtained)
  • Sublimit for costs of defense for alleged hiring or harboring of illegal aliens
  • Additional Side A limit
  • Identity theft expense supplemental coverage
  • Crisis Management Emergency Response Expense Sublimit
  • Workplace violence counseling expense sublimit
  • Privacy violation sublimit
  • Failed Donation claim supplemental coverage
  • Emergency Medical Treatment & Active Labor Act expense coverage
  • Health Insurance Portability & Accountability Act (HIPAA) coverage for penalties

Why Berkley Select

The challenges and expectations of your clients are evolving every day. That’s why you need a partner who can quickly address complex exposures with creative professional liability solutions. At Berkley Select, you benefit from expert underwriting, efficient claims handling, and innovative technology to better serve your policyholder’s needs.

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