Non-Profit Associations

Non-Profit Associations

Non-profit Organizations – Combined D&O and E&O Coverage

Consumer perception has evolved to the point where organizations, their directors and officers, employees and services are being scrutinized as never before. The Professional Indemnity Complete (PIC) policy safeguards an organization, its directors and officers, and its employees from allegations of errors, omissions or negligent acts. This unique product combines non-profit Directors and Officers (D&O) liability and Errors and Omissions (E&O) insurance into one comprehensive policy.


The following list is a sample of the types of risks insured on the PIC policy:

  • Professional associations
  • Homes for the disabled
  • Mental and physical rehab centres
  • Shelters
  • Community organizations
  • Employment agencies
  • Clinics
  • Business development centres
  • Group programs available

Coverage Details

Policy Form – The insurance is written on a claims-made basis with full coverage for prior acts
Policy Period – Annual and three-year policies
Capacity – Limits up to $10,000,000 (on a primary or excess basis)
Territory – Claims made in Canada (worldwide coverage available on request)

Policy Features

  • One combined D&O and E&O policy with one renewal date
  • Multiple insuring agreements: D&O, Non-profit Outside Directorship, Employment Practices and Fiduciary
  • First dollar defence coverage (deductible does not apply to defence costs)
  • Duty to defend
  • Severability of interests
  • Broad definition of claim
  • Bi-lateral discovery period
  • Broad definition of insured (includes the entity, directors, officers, trustees, employees, volunteers and committee members)
  • Spousal liability coverage
  • Zero deductibles on most risks

Additional Coverages Available

  • Worldwide coverage

For more information please contact Claude Miron at (613) 226-1350 ext 250