Non-Profit D&O

ALTRU Program Features

ALTRU / Old Republic Insurance Company
ALTRU Non-profit Organization and Management Liability Insurance Policy (Duty to Defend, Defense Outside the Limit): ORNP-001
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ALTRU Coverage Highlights

Insurance contracts are issued on behalf of Old Republic Insurance Company, rated A+ (Superior) by A.M. Best, A2 (Stable) by Moody’s, and A+ (Stable) by Standard and Poor’s.

ALTRU Policy form:

  • Claims-made, “Pay on Behalf of” form
  • Full Prior Acts Coverage
  • Policy Form ORNP-001 provides for the Carrier’s duty to defend claims.  Defense Costs coverage in addition to the policy limit


  • The Non-profit Organization
  • Any For-profit Subsidiaries
  • Any Scheduled Non-profit Affiliates
  • Directors, Officers, Trustees
  • Employees, Volunteers, Committee Members, Staff, Faculty

ALTRU Special Features and Options:

  • Broad Employment Practices Liability Coverage Included
  • Coverage applies to EEOC complaints or other administrative proceeding
  • Third-Party Discrimination and Harassment Coverage Included
  • Fiduciary Liability Coverage Extension Included for $100,000. Higher limits, available upon request
  • No Personal Injury Exclusion (Defamation, Libel/Slander Coverage Included)
  • Defense Coverage for Claims Seeking Non-monetary Damages
  • Marital Estate Coverage Included
  • Coverage provided for service on Outside Non-profit Boards
  • Punitive Damages Coverage Included
  • Excess Benefit Transaction Penalty Coverage included
  • Work Place Violence Coverage available
  • Extended Reporting Period Options include One-Year at 40%, Two-Years at 75% or Three-Years at 100% additional premium
  • Supplemental Data Breach coverage available by endorsement

Admitted in all 50 states, including DC

The terms and conditions of the coverage may be modified by policy endorsements and applicable state requirements. Review the policy itself including any amendments for full coverage details.

Minimum Premiums begin at less than $1,000. Limits of Liability from $500,000 to $5,000,000 are available.


Altru Non-Profit D&O New Business Application
Non-Profit D&O Renewal Application

Policy: Duty to Defend

ALTRU Non-Profit Organization and Management Liability Insurance Policy (Duty to Defend, Defense Outside the Limit)


Adult Literacy Program

After School Program

Alcohol Drug Rehab Treatment Center

Alumni Association

Arts/Cultural Organizations

Automobile Club

Auxiliary Club

Big Brothers Big Sisters Organization

Blood Banks

Boarding Schools

Business Association

Mutual Water Company


Chambers of Commerce

Charitable Foundations


Civic Organization


Condominium Owners Association

Convention Center

Council on Aging

Country Golf Clubs

Crime Stoppers Organization

Crisis Hotline

Day Care Centers

Dental Society

Economic Development Corporations

Electric Cooperative

Endowment Fund

Family Counseling

Fraternal /Social Clubs


Fund Raising

Group Home

Halfway House

HeadStart Programs

Historical Societies

Homeowners Association


Housing Development

Housing for the Elderly Disabled

HUD Supported Housing

Humane Societies

Information/Instruction Services

Joint Apprenticeship Training Committees JATCs

Literary Club

Meals On Wheels

Meeting Facility

Mental Health Treatment


Neighborhood Revitalization Organization

Neighborhood Swim Club

Non-profit Service Organization

Non-Residential Counseling

Nursing Homes

Organ Tissue Procurement


Parent Teacher Organization

Physical Therapy

Preservation Conservation Society

Private Foundation

Private Industry Councils PICs

Property Owners Association

Purchasing Grain Cooperative

Recreational Facility

Rehab for Low Income

Residential Facilities

Rod and Gun Clubs

Rotary Club

Schools Private

Senior Center

Service for the Economically Disadvantaged

Services for The Handicapped/Special Interest

Sheltered Workshop


Soup Kitchen/Freestore

Specialized Medical Care

Sports Boosters

Sports Leagues

Street Fair


Telephone Referral

Temporary Housing

Theatre Group

Trade Associations

Vocational Job Training

Water Electric Cooperatives

Workforce Development Boards


Youth Elderly Services