National Club Association D&O Program

D&O Insurance Coverage Program for NCA members offers competitive pricing, reliable coverage, and efficient claims service.

Directors & Officers Liability and Employment Practices Liability

• Primary limits up to $15 million, with excess limit available
• Duty-to-defend
• Hammer clause with a 50% / 50% provision
• Two year deal options with two separate annual aggregate limits of liability - even if there is a claim in the first year
• Defense cost coverage for both individual insureds and the organization with respects to breach of contract
• Defense outside of the limit
• Side A non-indemnifiable pollution coverage (important for club exposures such as water run-off)
• Broad definitions of "Employment Practices Violation" and "Wrongful Act"
• Full Prior Acts coverage
• Coverage for illegal alien penalties
• Crisis Fund® for reputation defense
• No exclusion, sub-limit or separate retention for membership discrimination allegations