The Short Answer
Directors and Officers (D&O) insurance protects the leaders of your organization — board members, officers, executive directors — from personal liability claims arising from their governance decisions. D&O pays legal defense costs and settlements when leaders are sued for wrongful acts in their official capacity.
D&O claims against sports organizations can include allegations of mismanagement of funds, discriminatory eligibility decisions, breach of fiduciary duty, failure to maintain safe conditions, and employment disputes. These claims can be brought even when the organization acted in good faith.
For nonprofit sports organizations, D&O is particularly important because volunteer board members often don't realize they can be personally sued — and held personally liable — for organizational decisions. D&O shields their personal assets.
Players Health includes D&O as a standard component of its youth sports organization policies. Coverage limits typically start at $1 million per claim and can be increased for larger organizations with more governance complexity.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Directors & Officers | ✓ |
| Accident Medical | ✓ |
| Directors & Officers | – |
| Abuse & Molestation | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |