The Short Answer
Serving on the board of a nonprofit sports organization exposes you to personal liability for decisions made in your governance role. Even volunteer board members can be named in lawsuits alleging mismanagement, discrimination, breach of fiduciary duty, or employment violations.
Directors & Officers (D&O) insurance — specifically nonprofit D&O — is the primary protection for board members. It covers defense costs and settlements when board members are sued for decisions made in their official capacity.
Many nonprofits also need Employment Practices Liability Insurance (EPLI) to cover claims from employees or contractors alleging discrimination, harassment, or wrongful termination. This is increasingly relevant as youth sports organizations grow their paid staff.
Players Health works with youth sports nonprofits of all sizes to build comprehensive insurance programs. Talk to a specialist about bundling D&O, EPLI, general liability, and accident medical into one cost-effective annual policy.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Professional Liability / E&O | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | ✓ |
| Accident Medical | – |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |