Protected: Quote Your Own D&O and EPL Insurance

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Does your social service organization need D&O or EPL insurance? AFC Insurance offers ExecPro® Directors & Officers Liability coverage for Nonprofit Social Service Organizations and Employment Practices Liability coverage for For-Profit Social Service Organizations. The policy is underwritten through an “A+” Rated carrier with over 20 years experience servicing the social service industry. The program is eligible nationwide while some restrictions may apply.

If you are an insurance agent, please contact AFC Insurance at for the access password to quote your own D&O and EPL insurance. We will request the completion of our Producer Agreement, which can be found here.

If you are an insured and are in need of D&O or EPL insurance, please forward this page’s link to your insurance agent to complete. If you do not have an insurance agent, please email and we can recommend an agent in your area.

Additional information can be found in the tabs below!

  • Defense Costs are in addition to the Limit of Liability at no additional charge
  • The policy is Duty to Defend
  •  The Definition of Insured Person includes all Past, Present and Future Directors, Officers, Trustees, Employees, Volunteers, and Committee Members
  • Minimum Premium of $700
  • Admitted Insurer in all 50 states and D.C.
  • Limits up to $10,000,000 for Primary and Excess Coverage
  • Retentions as low as $0 for both the organization and individual insureds
  • Retentions do not apply to Costs of Defense for qualifying accounts
  • For immediate service, quote Nonprofit business online at
  • The average quote turnaround time by an underwriter is 24 hours
  • You will be assigned one underwriter for both new and renewal business
  • Financial Statements are waived on many risks
  • Policies can be bound online and emailed in just minutes
  • Over two decades of experience insuring Nonprofit Organizations
  • Rated “A” (Excellent) by A.M. Best for over 100 years
  • On-staff Attorneys and Claims Handlers
  • Very Competitive Commissions
  • Costs of Defense are in addition to the limit for no additional charge
  • Duty to Defend
  • First Dollar Defense for Qualifying Accounts
  • 22 named EPL Wrongful Acts
  • Volunteers and Leased, Seasonal, and Part-Time employees are included as Insured Persons
  • Employed Lawyers Coverage
  • Prior Acts Coverage
  • Third Party Coverage
  • Definition of Claim includes non-monetary relief
  • Definition of Claim includes tolling
  • Coverage for suits brought by Qualifying Independent Contractors for EPL Claims
  • $150,000 sublimit for defense of Fair Labor Standards Acts (FLSA) Claims
  • Personal Injury Coverage
  • Copyright/Trademark Coverage
  • Crisis Fund for reputational damage done due to lost or stolen donor data
  • Order of Payments wording
  • Punitive Damages Coverage for Qualifying Accounts
  • 90-day complimentary Discovery Period if the Insurer non-renews
  • Definition of loss includes Pre/Post-judgment Interest and Front/Back Pay
  • Spousal & Domestic Partner Coverage
  • Worldwide Coverage
  • Excess Benefit Transaction
  • Outside Directorship Coverage for service on other Nonprofit Boards
  • Severability of the Exclusions
  • A-side carve-out for the Pollution Exclusion
  • Retaliation Coverage for Claims related to workers compensation and other benefits issues
  • Executive Officer Claim Notice Trigger
  • Broad Severability wording
  • Broad Subrogation wording
  • 35% Automatic Subsidiary Coverage
  • Optional Coverages available
  • Separate limits of liability for EPL and Fiduciary Liability Coverage are available
  • Workplace Violence Coverage available
  • One, two, and three year Discovery available at 40, 75, and 100% additional premium respectively