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coverage for your leaders and staff

What happens when one of the individuals leading your organization does not act responsibly on your behalf? Those staff members are fiduciaries of your organization. You rely on them. And when one of these trusted individuals fails to properly manage your affairs, the entire leadership team may be held liable.

Directors & Officers

Directors & Officers coverage protects the members of your boards and others in leadership positions. Any director, officer, or employee of the organization can be insured under a D&O plan. The insurance company the has the right and duty to defend any covered claim, up to the policy limit, and will pay all judgments on your behalf .

Employment Practices Liability

Further protection for your staff arises from Employment Practices Liability coverage, which applies to any director, officer, employee, or volunteer of your organization. Because employment law dictates how leaders of nonprofit organizations manage their workforce, violations can mean financial peril.

EPL coverage applies in situations such as employment-related discrimination, sexual harassment, or wrongful discharge.

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Have more questions about what’s covered and what’s not covered? We’re always here to help.


Find answers to common questions related to liability, coverage, and risk management in our FAQs.

What are the risk management considerations of hiring members as employees?
We do not support our clients hiring volunteers as employees. The main concern is with workers’ compensation coverage.
What is considered compensation that I will need to report to the insurance company as our exposure?
The insurance policy will be issued on your organizations national policy effective date with an estimated compensation for your location. At the conclusion of this policy period, you will be asked to provide MJ Insurance with your actual compensation dollars for your employees.
Do we have to provide workers’ compensation coverage to our employees?
If you have employees, you are required by law to purchase workers’ compensation coverage.
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