Commercial insurance policies

Insurance for management decisions and organizational funds.

We arrange D&O, employment practices, and commercial crime insurance for nonprofits and professional firms. We explain how each coverage part responds and what the proposed terms exclude.

Directors & officers

D&O insurance addresses covered allegations about management decisions. We compare the protection offered to the organization and its leaders.

We check whose management decisions are insured.

A claim may name the board, an officer, or the organization itself. We examine how the policy treats each, including reimbursement when the organization indemnifies an individual. We also read exclusions that may affect oversight of funds or programs.

What we check in the wording

  • People and entities included in the insured definitions
  • Protection for the entity and reimbursement of indemnification
  • Exclusions for professional services or disputes between insureds
  • Prior-acts restrictions and the treatment of defense expenses

How this coverage can come into question

A demand challenges the board’s oversight of a restricted fund. The insured definitions and exclusions help determine how the policy treats the named defendants and alleged management act.

Building your insurance account

We use your governing structure, financial statements, and expiring policy to prepare the D&O submission. We will arrange a suitable way to share those records.

Employment practices liability

EPLI can cover allegations such as discrimination or wrongful termination. We review the workforce definitions and exclusions behind each proposal.

We examine the cover for employment disputes.

Employment practices insurance can sit within a management package or have its own policy. We confirm the coverage purchased and review terms for harassment, retaliation, and other workplace allegations. We explain restrictions that affect your staff or the people interacting with them.

What we check in the wording

  • Definitions covering employees, applicants, and other claimants
  • Extensions for allegations made by nonemployees
  • Wage-and-hour restrictions and any defense provision
  • Retained costs, defense arrangements, and reporting requirements

How this coverage can come into question

A former employee alleges retaliation after raising a concern about program supervision. Coverage turns on the employment wording and timing of the claim; we review those terms separately from general liability.

Building your insurance account

We work through workforce locations and the roles of staff and contractors to complete the application. A summary of employment practices helps; sensitive personnel files do not belong in the booking calendar.

Commercial crime

Crime insurance can cover specified losses of money or property. We compare employee theft, fraudulent transfer, and impersonation terms separately.

We check the policy against how money moves.

An employee stealing funds and an authorized payment induced by deception can fall under different coverage agreements. We review who controls payments and explain which fraud protections are included, including any verification conditions or lower limits.

What we check in the wording

  • Employee-theft terms and the definition of volunteers
  • Purchased computer-fraud and funds-transfer agreements
  • Social-engineering extensions and required payment checks
  • Cover for client property and the loss-discovery period

How this coverage can come into question

Someone posing as a vendor asks your organization to send payments to a different bank account. If your organization authorizes the payment, the social-engineering extension and voluntary-transfer restrictions may affect whether the loss is covered.

Building your insurance account

We ask who can create a vendor, approve a bank-detail change, or release a payment. We also identify client funds or property in your custody before seeking crime insurance quotes.

We identify where other policies need attention.

Advice delivered to a client may call for professional liability. Premises injuries, employee injuries, and data incidents involve other policy lines. We flag these exposures when reviewing your activities so they receive a separate coverage assessment.

Get your next insurance policy underway.

Choose a time to discuss insurance for your nonprofit or professional firm. We will identify the requirements and help assemble the application for insurance quotes.

Discuss commercial insurance