Association Directors & Officers Liability (for AAF Clubs)

AAF Presentation

D & O Application

In today's litigious society, even Not-for-Profit organizations run the risk of being sued for an extensive list of alleged wrong-doing, such as:

• Discrimination (age, race, sex, membership, employment)
• Harassment
• Inefficient administration or supervision
• Waste of assets
• Misleading statements and misstatements
• Libel and slander
• Failure to deliver services
• Acts beyond granted authority
• Wrongful termination of employees

Directors and Officers Claims Scenarios

1. Misappropriation: A donor made a $100,000 contribution to a non-profit organization, specifying that the funds were to be used for a program to aid impoverished children. Instead, the organization, facing financial difficulties, used the donation to pay for their operating costs. The donor sued the non-profit, alleging misappropriation of funds, and was awarded the $100,000 contribution plus interest.
   
   
2. Employment Discrimination: An employee of a hospital (affiliated with a religious group), alleges he was fired due to his sexual orientation. he contends that the church representatives at the hospital were concerned about his orientation and treated him differently that heterosexual employees. The jury agrees with the plaintiff, awarding him $1,300,000 in additional to the $300,000 defense costs incurred by the hospital. The judge admonishes that "charitable organizations have no license to discriminate any more that a private business does."
   
   
3. Gender Discrimination: An educational foundation selects two high school students to receive college scholarships. They grant the female student $25,000 and award the male $10,000. The male beneficiary files a claim, alleging the non-profit discriminated against him based on his gender by awarding him a lesser amount. The claim is pending.

Professional liability insurance for media professionals including advertising agencies

Professional Liability Application

Marketing Consultant Application

Advertising Agency Media Consultant Supplement Application

What is Professional Liability?

Often referred to as "errors & omissions" or "E & O" the risk is an allegation of negligence while rendering professional services, or failure to provide a proper level of professional services.

A common misconception is that liability can be avoided simply by establishing a corporation or a limited liability company (LLC). Most professional liability claims are based on a personal service. While the contract may have been made with a corporation, a person provides the actual work or advice. The claim usually names both the entity and the individual(s) involved.

Business owners Policy (Includes General Liability Coverage) for clubs and businesses

Business Owners Application

A Business Owners Policy (BOP) simplifies the insurance buying process by packaging typical liability and property coverages that are needed for the day to day operations of a club, agency, or individual. Optional coverages can be added to meet specific needs.

Basic Protection included are:

1. Business Liability
2. Building and Business Personal Property (BPP)
3. Fire Legal Liability
4. Business Income Interruption
5. Equipment Breakdown
6. Money and Securities

Special Events Coverage

Special Events Application

Special Events Liquor Liability Application

Available for single and multiday events such as dinners, awards ceremonies, golf outings, and charity events. Liquor liability coverage is also available.

Send completed applications to:

PROinsure
8600 LaSalle Rd #331
The Chester Building
Towson, MD 21286
Or
Fax your application to: 866.518.4186
Or
Email your application to: info@proinsure.net

Note: applications are individually underwritten and not all members qualify.