Directors & Officers
Private/Nonprofit Liability Insurance
Help protect leaders and the private/nonprofit organizations they serve
Private and nonprofit organizations face many of the same leadership risks as public companies, but often with fewer resources to absorb unexpected claims. Zurich’s Private and Nonprofit D&O insurance is designed to help support board members, executive officers and the organization itself when allegations arise from management decisions - whether they come from employees, donors, members, vendors or other stakeholders. By helping to safeguard personal assets and organizations’ balance sheets, D&O Insurance can be an essential tool for attracting and retaining qualified leaders who are focused on advancing your mission and long-term strategy.
Why choose Zurich for Private/Nonprofit D&O
- Dedicated Private/Nonprofit focus: Zurich understands the distinct governance, funding and stakeholder dynamics of private organizations and nonprofits. Our underwriting and claims teams have experience with boards that answer to investors, donors, members and communities, not just shareholders.
- Broad risk appetite and flexible solutions: We are able to support a wide range of organizations, from smaller community-based nonprofits and family-owned businesses to larger private equity-backed or complex ownership structures. Limits, retentions and coverage features can be calibrated to your size, balance sheet, and risk profile.
- Integrated programs across lines of business: Many private and nonprofit organizations benefit from combining D&O with other Zurich coverages such as Employment Practices Liability, Fiduciary Liability, Cyber, Crime, Property and General Liability. A coordinated program can help reduce gaps and overlaps and simplify your insurance.
- Claims handled by legal professionals: D&O claims are often complex and sensitive. Zurich’s Management Liability Claims team is made up of attorneys who understand the litigation environment and the reputational, regulatory and financial implications of claims involving leadership. They work collaboratively with brokers and customers to pursue efficient, practical resolutions.
- Global reach: For eligible private and nonprofit organizations with cross-border exposures, Zurich’s global network may support locally admitted policies and coordinated claims servicing across more than 200 countries and territories, subject to applicable law, underwriting approval and local product availability.
- Long-term stability and financial strength: As a globally recognized insurer with a long history, Zurich brings strong financial strength to the organizations it serves. Zurich’s financial strength ratings include AA/stable by S&P and A+ (Superior)/stable by AM Best.* This strength positions Zurich to provide stability through changing market cycles and help your organization plan and invest confidently in its mission and growth.
* Rating as of August 20, 2026. A.M. Best’s and Standard & Poor’s ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s and S&P’s ratings visit www.zurich.com/investor-relations/ratings. The ratings represent the overall financial status of the individual member companies of Zurich in North America, including Zurich American Insurance Company, and are not a recommendation of the specific policy provisions, rates or practices of each issuing insurance company
Zurich’s full suite of Management Liability Insurance solutions
In addition to D&O Insurance, we offer:
Private/Nonprofit D&O resources
Zurich Select Plus Fact Sheet
Operating in multiple countries
Zurich’s International Towers by Zurich policy can provide eligible U.S.-domiciled multinational private and nonprofit organizations with a dedicated multinational D&O limit to help manage management liability exposures across jurisdictions, supported by Zurich’s global network across more than 200 countries and territories, subject to applicable law, underwriting approval and local product availability.
Meet our Private/Nonprofit D&O specialist
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FAQs
D&O Insurance protects the company and its executives for a variety of risks, including lawsuits by shareholders, customers, vendors, employees, suppliers, regulators and competitors. D&O coverage is an essential risk management tool that can provide support or coverage for litigation costs and settlements
Yes. Private companies and nonprofit organizations face many of the same management liability exposures as public companies, and claims against their boards and officers are increasingly common. Whether your organization is a family-owned business, a private equity-backed company, a charitable nonprofit or a membership-based association, providing D&O coverage can help protect your senior leaders’ personal assets and support their confidence in making decisions on behalf of your organization.
Directors and Officers (D&O) and Errors and Omissions (E&O) insurance both address liability, but they protect against different types of claims and different insureds:
- D&O insurance focuses on management decisions and corporate governance, protecting directors, officers and in many cases the entity itself against allegations of mismanagement, breach of fiduciary duty, misleading statements, failures in governance or other decisions that allegedly harm shareholders, members, donors or other stakeholders.
- E&O insurance focuses on the professional services you provide to clients or customers, protecting your organization and the employees or professionals who deliver those services against allegations of mistakes, negligence, errors, omissions or failure to perform as promised that result in a client’s financial loss.
Many private and nonprofit organizations consider carrying both, as they address different but complementary risk areas.
Many D&O programs can cover executives abroad, but it is not automatic and depends on how the policy is structured.
For Zurich specifically, our multinational capabilities in more than 200 countries can help structure D&O programs to support executives in multiple countries, often combining a master policy with locally admitted coverage where needed. Operating in multiple countries? Learn more about International Towers by Zurich.