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Non Profit Directors and Officers Liability & EPL - Professional Liability

This product targets not-for-profit organizations with less than 200 employees.

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The HIT ZONE - Our highest hit ratio
Fewer than 50 employees and less than $5,000,000 in annual revenue
No directors and officers, employment practices, thirdparty discrimination or third party sexual harassment claim or circumstances in the past 5 years
The following classes of business
  Assisted living center Developmentally disabled facility Museum
  At-risk youth facility Economic development corporation Performing arts orgianization
  Boys & Girls Club Environmental group (not involved in litigation or activist activities) Preschool
  CASA Exhibition (auto show, fair, festival) Scouting organization
  Cemetery Food bank Social service organization
  Chamber of Commerce Foundation Swim club/tennis club
  Charity group Handicapped service Trade association
  Church/temple Historical society/preservation United Way chapter
  Community/civic center Homeless shelter Visitors/tourist bureau
  Convention center Humane society Water company
  Crisis center Library YMCA/YWCA
  Day care center Membership organization (Elks, Jaycees, business association, VFW) Youth sports association
       
ELIGIBLE RISKS - Includes all of the above characteristics except where amended below
51 to 200 employees    
Annual revenues greater than $5,000,000
1 or 2 directors and officers or employment practices claims or circumstances in the past 5 years
  Charter school (after 3rd year existence) Health care provider (less than $10,000,000 in revenues) Public broadcasting
  Clinic (less than $10,000,000 in revenues) Low income housing Regional planning commission
  Community college/junior college Mental health center Retirement home
  Country club Nursing home (no EPL on this class of business) Substance abuse center
  Dining club Private industry council Vocational training/school
  Golf club Private school Yacht club
       
INELIGIBLE RISKS
Over 200 employess ( part time and seasonal count as 1/2 each)
More than 2 directors and officers or employment practices claims or circumstances in the past years
The following classes:    
  911 College/university Public school
  Activist group Foster care Redevelopment organization
  Adoption agency Fraternity/sorority Research organization (corporate/university)
  Athletic conference Gaming commission School district
  Better Business Bureau Hospital Tax and health district
  Blood bank Legal bar association Third party administrator
  Board of Realtors Medical trade association Union
  Church governing body Municipality Urban league
  Credit reporting/counseling Political action committee  
       
PRODUCT ADVANTAGES
A.M. Best rated A++ carrier
Separate Limits of Liability for D&O and EPL claims. (Note: EPL is an optional coverage which can be purchased in addition to D&O, but not on a monoline basis.)
Defense outside the limit
Unlimited extended reporting period for former directors & officers
Third party sexual harassment and third party discrimination coverage
Punitive damages, where insurable by law, included automatically
Duty to defend
Full prior acts coverage
Optional fiduciary liability coverage
Outside Directorship Liability Coverage
Coverage for both Monetary and Non-Monetary Claims Included
   
AVAILABLE LIMITS
Up to $5,000,000 for D&O and EPL. The EPL limit may not exceep the D&O limit.
   
RETENTIONS
Retentions start at $0
   
SUBMISSION REQUIREMENTS
Any new business Non Profit Directors and Officers Professional Liability application.
 
   
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