Directors and Officers’ Liability

Our D&O Liability Insurance Program features insurance provided by the Chubb Group of Insurance Companies and is sold through Gorges & Company, Inc. Coverage is available to qualified nonprofit members.

The plan has been carefully reviewed to assure that it contains the best features available in the D&O market. Special features include:

  • COVERAGE FOR STAFF, VOLUNTEERS, AND COMMITTEE MEMBERS: Many D&O policies only provide coverage for the Directors and Officers. Our program also provides coverage for all employees, volunteers, and committee members working for your organization.
  • COVERAGE FOR YOUR ORGANIZATION: Many D&O policies only provide coverage for individual people, and don’t provide any coverage for your organization. Ours also provides Association Coverage, or entity coverage. That means coverage is provided for claims brought against your organization. This coverage may not be available under a general liability policy or under a traditional D&O policy.
  • COVERAGE FOR EMPLOYMENT PRACTICES: Many D&O policies provide no coverage for employment discrimination, wrongful termination, or other claims involving your employment practices. Yet these are the most likely subjects raised in suits against your organization and your board. Our D&O program specifically covers employment practices.
  • COMPATIBILITY WITH MARYLAND’S CHARITABLE IMMUNITY AND VOLUNTEER IMMUNITY LAWS: Our D&O program is designed to dovetail with, and is priced to reflect, the immunity from liability which is available under Maryland law to nonprofits, their board, staff, and volunteers.  We continually monitor laws and court decisions in the area and will inform the Chubb Group of changes needed to assure that this policy is consistent with those laws.

For a free quote, download a Directors’ and Officers’ Liability Insurance Application. For the fastest turn-around time, make sure to attach your financial information (990, audit, or board-approved budget).


Rates start at $750 annually for $1 million in coverage with a $1,000 deductible. Standards for Excellence certified organizations eligible for an additional 10% discount.