Contrary to popular belief, Not-For-Profit Organizations face many of the same management liability exposures as their For-Profit counterparts. 

The misconception could be costly as well, since litigation brought against a Not-For-Profit entity could have a serious adverse impact on the personal assets of the Directors and Officers.

According to a recent survey, Not‐For-Profit organizations are increasingly becoming the target of lawsuits and other civil actions.

The vast majority of these cases – nearly 85% ‐ were brought by current or former employees. This trend refutes the popular opinion that Directors & Officers claims are predominantly a public company phenomenon.

Keep in mind that employment‐related allegations – even the baseless or fraudulent ones – must be addressed.


The average legal expense incurred in the defense of an employment‐related action exceeds $40,000.


Management Liability encompasses a wide array of coverages that need to be seriously considered by Privately-held, Publicly-held and non-profit organizations alike.


Due to a heightened sense of scrutiny directors and officers of these organizations sued more often than in years past for D&O claims.


In additon,, but they are also experiencing data breaches of their systems, expanding their exposures as they get involved in international business transactions and dealing with issues of Crime and Fiduciary.


Rockwood has the options you need through our network of highly rated insurance carrier partners. Let us help you today!


  • Coverage for both monetary and non-monetary claims
  • Duty of Defend
  • Defense In Addition to the limit (available)
  • Full Prior Acts coverage (available)
  • Punitive damages or exemplary damages up to the limit of liability, where insurable by law
  • EPLI includes Third Party Coverage
  • Wage and Hour (subject to sub-limit)


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Kathy Hasted is currently a Senior Underwriter at Rockwood, and is responsible for both the agency’s Allied Healthcare and Not-For-Profit D&O portfolios.  She has been a Rockwood employee since 1997. 

Ms. Hasted began her insurance career at the Insurance Company of North America.