Travelers Insurance has a great resource that lists the Top 5 Reasons You and Your Non-Profit Need Coverage. Here’s a brief synopsis:

1.) Anyone involved could be held personally liable
2.) The protections afforded by the Volunteer Protection Act are limited
3.) Non-Profits and their Directors and Officers can be sued for a range of issues
4.) Non-profits are at greater risk of being sued
5.) Legal fees and damages often deplete liquid assets of a non-profit, leaving no funds to indemnify Directors or Officers.


We think this is a great list, and a good place to start talking to your non-profit clients about their coverage. If you have an account we can help you close, give us a call to discuss it.


ALTRU, LLC is a Managing General Underwriter that specializes in directors & officers (D&O) and organization liability for non-profit organizations, as well as Miscellaneous Professional Liability (MPL) for a wide range of service firms. ALTRU provides underwriting services on behalf of Old Republic Insurance Company, rated A+ (Superior) by A.M. Best, A+ (Stable) by S&P and A2 (Stable) by Moody's. The team at ALTRU builds solid, professional relationships and delivers a superior level of service to their network of retail insurance agents, which sets them apart from other industry wholesalers.