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Liability Insurance Coverage
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Director and Officers Liability Insurance Coverage
Director’s and Officers (D&O) liability insurance has become essential for not-for-profit organizations. In today’s litigious society, the potential to be sued becomes greater with every passing day. And Kiwanis clubs are not immune to these types of lawsuits.
Lawsuits may be brought in response to actions and or decision made by anyone in a Kiwanis Club. Common areas of concern include failure to follow your constitution and bylaws, sexual harassment, member discipline and application of service funds.
Any day-to-day decision by anyone in a Club can trigger a lawsuit. Such a suit may not only jeopardize the organization financially, but may also threaten personal assets.
Hylant Group bring the D&O liability, designed specifically for Kiwanis Clubs, to you.
The insurance policy is written to protect every volunteer, staff member, director or committee chair in your club. It covers commonly seen lawsuits that relate to decisions made by club officers, directors, committee members and volunteers, such as:
Discrimination
Acts beyond authority granted by the club bylaws
Failure to enforce the bylaws
Harassment
Misuse of funds
If a claim involves bodily injury or property damage that the club is legally obligated to pay, those claims would be included under a general liability policy. The club is covered for general liability through a program coordinated by Kiwanis International and for most club activities would not need to purchase additional insurance.
The D&O policy begins November 1st of each year so now is the time to begin thinking about your club’s needs. If you have an interest in purchasing D&O coverage or have questions, please contact Hylant Group at Kiwanis International.
Contact Tom Anthony-District Chair for Risk Management & Liability
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