Nonprofit Directors and Officers with Employment Practice Liability Valuable Coverage

Nearly 85 percent of nonprofits have an annual budget that is less than the average cost to defend a claim closed by litigation. 90 percent of those claims are employee related.

Therefore, the following coverage features are important.
Visit www.gatewayspecialty.com or call 877 977 4474 for coverage.

Nonprofit Directors and Officers with Employment Practice Liability Coverage Features:

• Data & Security+ Endorsement - $50,000 sub-limit each for data breach, identity theft, workplace violence and kidnap expenses plus free identity theft services for directors and officers who become victims of identity theft (available in most jurisdictions) 
• Separate limits of liability for directors and officers and employment practices liability claims (directors and officers limit not eroded by employment claims)
• Defense outside the limit of liability on all claims
• Punitive damages where insurable by law (most favorable venue wording) are included automatically but not available in Alabama or West Virginia.
• Third party harassment and third party discrimination coverage 
• Lifetime occurrence reporting provision (occurrence feature for former directors and officers) 
• Coverage for both monetary and non-monetary claims
• Coverage for outside directorship liability
• Risk management services - Free unlimited employment practices consultation via a toll free helpline supported by the ability to ask questions online in the new employmnent practices liability risk management toolkit from PeopleSystems. The toolkit also contains a helpful news center, how-to guide for writing an employment manual and sample HR policies and employment forms
• Fair Labor Standards Act (FLSA) $100,000 sub-limit for defense costs and loss (available in most jurisdictions)
• Excess Benefit Transaction Excise Tax Coverage - $20,000 sub-limit (available in most jurisdictions)
• Free and substantially discounted background check services 
• Standard form option (available in most jurisdictions): Combined directors and officers and employment practices liability limit, defense inside the limit, no employment practices liability risk management services and excluded coverage for Data & Security+, FLSA and Excess Benefit Transaction Excise tax 

Call Gateway Specialty Insurance at 877 977 4474 for a package or monoline quote including Nonprofit Directors and Officers (NDO) with Employment Practices Liability.