kite Not-For-Profit Directors & Officers Insurance

Not-for-profit directors and officers (D&O) liability insurance can protect the top tier of a company’s management if they are sued for their overall performance or particular business decisions. This type of Insurance may cover harassment or discrimination lawsuits, and is usually required by a company’s board of directors. Not-for-Profit organizations can tailor their insurance program to match their business needs. Our company partners allow us to provide options regardless of your client’s industry, revenue or employee count.

Coverage available

  • Directors and Officers Liability (D&O)
  • Employment Practices Liability (EPLI)
  • Fiduciary Liability Insurance (FLI)

Parties we can cover

  • The named organization
  • Subsidiaries
  • Affiliates (by endorsement)
  • Directors, officers and trustees
  • General counsel and risk managers
  • Employees (including temporary and seasonal)
  • Leased employees and independent contractors
  • Volunteers.


  • Judgments, settlements, prejudgment and post judgment interest
  • Punitive, exemplary and multiple damages where insurable by law (most favorable venue language)
  • Defense costs
  • Reputation loss (D&O)
  • Back pay and front pay (EPLI)
  • Statutory attorney fees (EPLI)

Coverage highlights

  • Claims made policy
  • Flexible shared and separate limit options available for all coverage parts
  • Spousal/domestic partner extension coverage
  • Optional discovery period up to six years
  • Worldwide coverage
  • Final adjudication wording for conduct exclusions
  • Full severability for all insureds, including the organization.
  • Insured’s choice of defense counsel, subject to insurer’s consent
  • Coverage up to $100,000 for responding to reputation risk events
  • Definition of employee includes leased employees and independent contractors
  • Injured vs. insured exclusion applicable only to claims made against an individual insured by the organization
  • Definition of individual insured includes executives serving at the request of an organization as a director, officer or trustee of outside entities
  • Option to tender defense to the insurer with allocation provision for full defense costs
  • Emotional distress and mental anguish coverage.


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