What is D&O Liability?
Directors & Officers Liability insurance protects sports organizations and their members from claims arising out of wrongful acts or errors and omissions. Coverage under this program offered through Chubb Specialty Insurance is provided to any member of the organization while acting in an official capacity on behalf of the team/league and is not limited just to the directors and officers of your association.
Who is Covered?
This plan is available only to not-for-profit, amateur sports associations. If your organization is for-profit, please contact Bollinger directly for a separate application for coverage. As noted above, the D&O policy covers:
- Your organization
- Directors and officers of the organization
- Any member acting in an official capacity on behalf of the organization
What Types of Claims Are Covered?
D&O Liability provides protection for the following types of situations:
- Eligibility matters, such as a lawsuit stemming from the fact that a player did not make the Select Team or because a player was deemed ineligible for an All-Star Team due to geographic restrictions
- Coverage Discrimination – Claims from players, coaches, employees or volunteers alleging discrimination due to gender, age, race, physical ability or disability, etc., would be covered under the D&O policy
- Wrongful Acts, such as negligent hiring or termination practices
- Sexual Harassment (but not sexual abuse, which is considered a bodily injury and is therefore covered under General Liability)
- Errors and Omissions
What is Not Covered by D&O?
Directors and Officers Liability specifically excludes coverage for claims arising out of any Bodily Injury or Property Damage to others. These types of claims are covered under the General Liability policy. Therefore, if a director of the league were sued because someone was severely injured during a game, that claim would be covered by the General Liability, not the D&O policy.