Directors & Officers Liability

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Non-Profit Organizations | Combined D&O and E&O

The Professional Indemnity Complete (PIC) was designed by Victor to protect non-profit organizations, their directors and officers, and employees from allegations of errors, omissions or negligent acts. This unique product combines Non-Profit Directors and Officers (D&O) liability and Errors and Omissions (E&O) insurance into one comprehensive policy.


The following list is a sample of the types of risks Victor insures on the combined PIC policy:

  • Professional associations
  • Homes for the disabled
  • Mental and physical rehab centres
  • Shelters
  • Community organizations
  • Employment agencies
  • Clinics
  • Business development centres

Coverage Details

  • Policy Form – Claims-made and reported
  • Policy Period – Annual and three-year policies
  • Capacity – Limits up to $10,000,000
  • Territory – Claims made in Canada (worldwide coverage available on request)

Policy Features

  • Multiple insuring agreements: D&O, Non-Profit Outside Directorship, Employment Practices and Fiduciary
  • First dollar defence coverage (deductible does not apply to defence costs)
  • Bi-lateral discovery period
  • Zero deductibles on most risks

Additional Program Structures

  • Affinity groups

Submission Requirements