Directors & Officers Liability

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Non-Profit Organizations

Victor’s Directors and Officers (D&O) management liability insurance for non-profit organizations protects the organization and its directors and officers against allegations of negligent acts, with broad coverage that includes employment practices and fiduciary liability.


Our portfolio includes a broad variety of risks including the following:

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

Coverage Details

  • Policy Form – Claims-made and reported
  • Policy Period – Annual and three-year policies (term or aggregate limits, fixed annual installments)
  • Capacity – Limits up to $15,000,000
  • Territory – Claims made anywhere in the world

Policy Features

  • Multiple insuring agreements: D&O, Non-Profit Outside Directorship, Employment Practices and Fiduciary
  • First dollar defence coverage (zero deductibles on most risks)
  • Bi-lateral discovery period
  • Broad definition of insured (includes the entity, directors, officers, trustees, employees, volunteers and committee members)
  • Non-rescindable Side A
  • 60-day notice of non-renewal

Additional Program Structures

  • Affinity groups

Submission Requirements