Board and Officer Protection
Coverage for allegations involving wrongful acts, breach of duty, mismanagement, misleading statements, and governance failures.
Management Liability Coverage for Nonprofits
Protect Your Board, Executive Team, and Mission
Directors and officers coverage built for Virginia nonprofits, charities, foundations, social service organizations, civic groups, ministries, and community focused organizations.
One governance dispute, employment related allegation, donor complaint, grant issue, or management liability claim can put real pressure on both the organization and the people leading it. D&O insurance helps protect the nonprofit entity and the individuals making decisions on its behalf.
Board and officer protection
Entity and management liability options
EPLI, fiduciary, crime, and cyber coordination
Independent options from multiple carriers
Why nonprofits buy D&O
Common exposures
Board decisions challenged by members, donors, or stakeholders
Employment related allegations involving staff or volunteers
Mismanagement or misuse of funds allegations
Regulatory, grant, or governance disputes
Claims against directors, officers, trustees, or committee members
Independent Agency
Multiple carrier options
Virginia Focus
Local guidance and service
Nonprofit Friendly
Built for boards and leadership teams
Fast Help
New quotes and renewal reviews
Coverage overview
What Nonprofit D&O Insurance Can Help Cover
Coverage varies by carrier and form, but nonprofit directors and officers insurance is designed to respond to management liability claims involving the organization and the people leading it.
Important: D&O is not the same as general liability.
General liability responds to bodily injury and property damage claims.
D&O is intended for management, governance, financial harm, and leadership related allegations.
Entity Coverage
Protection when the nonprofit itself is named in a covered management liability claim along with leadership or on its own.
Defense Costs
Help with covered legal costs such as attorney fees, court expenses, and related defense costs even when allegations are disputed.
Employment Practices Liability
Optional or packaged protection for wrongful termination, discrimination, harassment, retaliation, and similar allegations.
Fiduciary Liability Options
Important for nonprofits that sponsor employee benefit plans and need protection tied to fiduciary responsibilities.
Mission Protection Strategy
Guidance on how D&O can fit with EPLI, crime, cyber, and other coverage so one claim does not disrupt operations or trust.
Who we help
Built for a Wide Range of Nonprofits
Appetite varies by carrier, but we regularly look at nonprofit D&O options for many different organization types across Virginia.
- 501(c)(3) charitable organizations
- Private foundations
- Animal rescues and humane groups
- Youth mentorship programs
- Educational organizations
- Faith based nonprofits and ministries
- Arts and cultural organizations
- Community development groups
- Social service nonprofits
- Civic organizations
- Trade and member associations
- Volunteer driven fundraising groups
Questions we hear often
Common Nonprofit D&O Questions
Many organizations know they need protection, but are not always sure what carriers review or how coverage is structured.
Do volunteer board members still need protection?
Yes. Volunteer status does not prevent someone from being named in a claim tied to board or leadership decisions.
Can D&O be packaged with EPLI?
Often yes. Many nonprofits combine management liability coverages to address both board and employment related exposures.
Will contracts or grants require this coverage?
Sometimes. Board governance standards, leases, partnerships, and funding relationships may require D&O or related coverages.
What will underwriters usually want to review?
Common items include mission, financials, leadership experience, employee count, volunteers, claims history, and governance practices.
Why Ford Agency
Clear Guidance for a Specialized Exposure
Nonprofit D&O is not something most organizations want explained in vague insurance language. We keep it practical and straightforward.
Independent Options
We compare multiple carrier options instead of forcing one company’s form on every nonprofit.
Virginia Based Service
Local guidance from Ford Agency, Inc. with real attention to service, communication, and practical coverage discussion.
Straight Answers
We help explain what matters, what is optional, and where gaps can show up so leadership can make informed decisions.
Markets
Nonprofit D&O Carriers We Work With
Market availability depends on operations, size, financial condition, claims history, and the full coverage package needed.
Cincinnati
Liberty Mutual
The Hartford
Philadelphia
Hiscox
USLI
Good fit examples
First time D&O placements, nonprofits reviewing a renewal increase, boards seeking cleaner guidance, and organizations that also need EPLI, cyber, crime, or fiduciary coverage coordination.
Request a quote
Request a Virginia Nonprofit D&O Quote
Tell us about your nonprofit, leadership structure, employee count, revenue, and current coverage. We will review available options and help you compare nonprofit D&O solutions that fit your organization.
Fast quote help for Virginia nonprofits and boards
Options for D&O, EPLI, fiduciary, crime, and cyber
Guidance on limits, deductibles, and underwriting questions
90+
Years of agency history and service
VA
Focused on serving organizations across Virginia