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
- 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