Non-Profit Organization Liability/
Public Officials E&O

Overview
Non-profit organizations are not immune from expensive and damaging lawsuits. They face the same financial risks as their publicly held counterparts. Directors and officers, trustees, committee members and others representing an organization can be held liable for their actions and their personal assets put at risk.

PIA has designed a liability policy that addresses the issues of expensive litigation and attorney fees. As a benefit, the company, if desired, will defend in the name of the insured, eliminating the need to choose a defense counsel.

Our coverage protects a non-profit organization - including any past, present or future directors, officers, employees, trustees, volunteers or committee members - for claims resulting from a misstatement, act or breach of duty.

Eligible non-profit organizations include small private schools, cultural groups, medical, dental, trade and bar associations, foundations, Chambers of Commerce, charities, mental retardation facilities, religious organizations, museums, hospitals, and nursing homes - to name only a few.

Policy Highlights:

• Maximum limit of liability is $5 million
• Defense in addition, equal to the limit of liability, for policies with limits of up to $2.5 million
• Employment Practices Liability, third party liability and marital extension are specifically included.
• Coverage will be considered for "For-Profit" subsidiaries
• Wrongful acts committed by an insured anywhere in the world are covered, provided the claims are made in the U.S., its possessions or Canada
• Personal injury coverage

PIA offers admitted coverage in most states through U.S. Specialty Company, rated A+ by A. M. Best Company and AA by Standard & Poor's, and non-admitted coverage in Virginia, Louisiana and New Mexico through A+ rated Houston Casualty Company.

The same basics hold for Public Officials Errors & Omissions (E&O), which is offered on a non-admitted basis through Houston Casualty Company in all states except New York, where it is admitted and U.S. Specialty paper can be utilized. Classes considered include towns, cities, municipalities, counties, utility boards and authorities.

Our underwriting team has a reputation for reliability, service and exceptional turnaround time. Most submissions will receive a response within 2 business days or less; policies are issued within a few days of binding.