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Membership: D & O Insurance

The Society for Nonprofit Organizations has a preferred provider relationship with Irwin Siegel Agency, Inc. (ISA) to offer a unique opportunity to SNPO Organizational Members seeking Directors and Officers Liability Insurance. Through this partnership, ISA Underwriters will work directly with SNPO members to provide timely responses and personalized service. Underwriters will work one on one with SNPO members regarding any insurance related questions or concerns. Our dedication to personalized service and “No Voicemail” policy guarantees you will speak with one of our associates every time you call.

About our Programs

These distinctively tailored products provide broad and expansive coverage in the areas where management liability often arises. With multiple carriers’ available and direct contact with ISA, you are guaranteed a product that is exceptional in both coverage and price. The policy covers employees, volunteers, committee members, board members, and the organization itself. Employment practices liability is included with our policy. This provides coverage for discrimination, wrongful termination and sexual harassment and other employment practice related claims.

Below are program highlights for the Nonprofit Directors and Officers products available through Irwin Siegel Agency, Inc. Every organization varies in size, budget and loss experience. The unique characteristics of your agency will determine which program is better suited to meet your needs, and the requirements of your organization regarding comprehensive coverage and consultative tools and services.

Tailored to organizations of less than 200 employees

  • Separate Directors & Officers Liability and Employment Practices Liability Limits
  • Unlimited Extended Reporting Period for former Directors & Officers
  • Coverage for Third Party Discrimination and Third Party Sexual Harassment
  • Expanded definition of sexual harassment to include other workplace harassment
  • Named peril coverage for employment claims arising out of the use of the internet and e-mail
  • Defense costs outside the limit of liability
  • Full Prior Acts Coverage
  • Punitive damages included where insurable by law
  • No Intentional Acts Exclusion on Employment Practices Liability claims
  • Outside Directorship Liability coverage
  • Hammer clause with 50/50 split
  • Coverage for both monetary and non-monetary claims included


  • A.M. Best rated A++ carrier
  • 24 hour turnaround time on submissions and binders
  • Superior policy issuance
  • Free HELPLINE human resources consultation service with unlimited calls and no time limits
  • 50% discount of PeopleSystems® online sexual harassment prevention training
    (Note: CA, CT and ME mandate such training by law)
  • Policy Renewal information provided to insured at least 60 days prior to expiration date of policy.

Tailored to organizations with over 200 employees.

  • Non-employment discrimination coverage--covers discrimination and sexual harassment claims brought by third parties (e.g. students, patients), whether brought individually or as a class
  • One hour free employment practices consultation with Jackson Lewis
  • Employment practices coverage
  • Copyright or trademark infringement coverage
  • Anti-trust & Plagiarism coverage
  • Third party ("non-employment discrimination") claims
  • No retention in event of "financial insolvency"
  • 100% retention reimbursement upon a finding of "no liability"
  • 10% retention reimbursement upon acceptance of first qualified Settlement Opportunity
  • Coverage for multiple damage awards under the ADA and Equal Pay Act
  • Punitive or exemplary damages coverage available


  • A.M. Best rated A+ carrier
  • Coverage for back pay and front pay
  • Pre-judgment and post-judgment interest coverage
  • Provides pre-approved, elite class action defense law firms
  • Policy non-cancelable by Insurer (except for nonpayment of premium)
  • Optional one-, two-, or three-year Discovery Period
  • Spousal extension coverage
  • Worldwide coverage
  • 30-day post-policy reporting window
  • Policy Renewal information provided to insured at least 60 days prior to expiration date of policy.

About Irwin Siegel Agency, Inc.

"Our motto is 'Supporting Those Who Support Others.' We have always been committed to the Human Service field. This commitment is something that everyone at ISA feels as strongly about today as we have in the past. This passion will continue to grow with you and with us into the future."

ISA offers unique insurance products tailored to the distinctive needs of the human, social services and nonprofit fields. ISA also offers package insurance products that are tailored for organizations in the developmental disabilities, medical/physical rehabilitation, mental health care, addiction treatment and community & social service fields. As a leader in the field for over 35 years, both insureds and brokers have benefited from the industry knowledge, exceptional quality of service and ease of doing business that has become inherent when working with ISA. Involvement with current field related issues and analysis of program trends has allowed ISA to be proactive and responsive to the evolving needs of these organizations.

ISA is actively involved with national associations such as AAIDD, ANCOR, IAPSRS, NAATP, SNPO, NADSP and various state associations. Authors of trade journals and grant proposals (Project Action) have relied on our field professionals to review their effort. ISA is involved with national accreditation organizations and other national groups for the purpose of quality assurance.

Offering more than highly competitive products, superior customer service and first-class underwriting expertise; ISA encompasses the field related knowledge and experience that allows a unique understanding of the needs relative to your Nonprofit organization.

More Information

Rich Geoghan, D&O/Specialty Lines Underwriter at Irwin Siegel Agency, Inc. is available to answer any questions and to accept applications. For a D & O quote, please call Rich at (800) 622-8272 ext. 5142. In most instances, you will receive a D & O quote within 48 hours of submitting your application (.pdf).

We hope you will take advantage of this opportunity to protect your organization from management and employment practices liability exposure and participate in the SNPO D & O Program.

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