Non-profit Organizations

Any non-profit organization is vulnerable to the same kinds of lawsuits brought against for-profit organizations. Non-profits are not immune to lawsuits simply because they are working for a worthy, charitable cause. Some well-funded non-profit organizations can even be targets for litigation simply because of their perceived deep pockets.

Victor O. Schinnerer & Company's Non-profit Management Liability insurance program offers directors & officers liability, employment practices liability, fiduciary liability, crime, and kidnap, ransom & extortion coverage that protects the non-profit's directors, officers, employees, volunteers, committee members, trustees and the organization itself.

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Directors & officers liability insurance protects directors, officers, and the entity from claims made against them while serving on a board of directors and/or as an officer for a non-profit organization. Claims can include breach of trust, breach of duty, breach of bylaws and much more.

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Employment practices liability insurance protects employees, volunteers, committee members, trustees and the entity from wrongful acts that arise from the employment process. The most frequent types of claims covered under such policies include wrongful termination, discrimination, sexual harassment, and retaliation.

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Fiduciary liability protects non-profit organizations and the employees that makes decisions about a company's retirement plan, investment options, employee benefits plan and other fiduciary responsibilities from claims arising out of improper investments, insufficient funding, or breach of fiduciary duties.

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Crime coverage protects non-profit organizations from criminal activity including employee theft, forgery and alteration, inside the premises loss, counterfeit money, computer crime, funds transfer fraud, the use of company computers to fraudulently transfer funds and much more.

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Ransom Letter

Kidnap, ransom and extortion coverage provides protection and guidance for directors, officers, and employees involved in kidnappings, extortion, detention, hijack, ransom, transit, etc. Coverage includes reimburses costs associated with the event, ransom costs, crisis response fees, and access to a leading crisis response firm to assist policyholders, should an event occur.

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