National Club Association D&O Program

D&O Insurance Coverage Program for NCA members offers competitive pricing, reliable coverage, and efficient claims service.


Directors & Officers Liability and Employment Practices Liability

  • Primary limits up to $15 million, with excess limit available
  • Duty-to-defend
  • Hammer clause with a 50% / 50% provision
  • Two year deal options with two separate annual aggregate limits of liability - even if there is a claim in the first year
  • Defense cost coverage for both individual insureds and the organization with respects to breach of contract
  • Defense outside of the limit
  • Side A non-indemnifiable pollution coverage (important for club exposures such as water run-off)
  • Broad definitions of "Employment Practices Violation" and "Wrongful Act"
  • Full Prior Acts coverage
  • Coverage for illegal alien penalties
  • Crisis Fund® for reputation defense
  • No exclusion, sub-limit or separate retention for membership discrimination allegations