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What Does PB&J Have to Do with Your D&O Insurance Policy?

As a child—and even now—nothing beats the classic taste of a good old PB&J. Grape was always my absolute favorite. But there was one thing I couldn't stand: opening my lunch only to find my sandwich completely smashed. It was so frustrating! I knew I had to find a solution. So I got a lunchbox. No more squished sandwiches—my PB&J stayed perfectly intact and safe, just the way I liked it.

Now, you might be thinking, "Wait a minute, I came here to learn about insurance for my non-profit!" Hang tight—you'll soon see how these two things connect

What is D&O Insurance?

One essential type of insurance for non-profits is Directors and Officers (D&O) insurance. D&O insurance acts like that trusty lunch box, but instead of protecting your sandwich, it protects your organization's leadership. This type of insurance provides coverage for the directors and officers of your non-profit in case they are personally sued for wrongful acts while managing the organization. This can include claims of mismanagement, breach of fiduciary duty, or other errors and omissions.

Without D&O insurance, your board members and executives could be personally liable for these claims, putting their personal assets at risk. Just as my lunch box kept my PB&J safe and sound, D&O insurance keeps your organization's leaders protected, allowing them to focus on advancing your mission without fear of personal financial loss

Real Life Example

Imagine a scenario where one of your board members makes a decision that leads to a dispute. Maybe a donor claims their funds weren’t used as intended, or a member of the public alleges discrimination in your organization’s practices.

D&O insurance acts like the lunchbox’s sturdy walls. It provides financial protection for your board member, covering legal expenses and any settlements or judgments that may arise from the claim. This ensures that your board member’s personal assets are shielded, allowing them to focus on their responsibilities without the fear of personal financial loss.

At the same time, D&O insurance also protects your organization as a whole, ensuring that funds meant for your mission aren’t drained by legal costs. It’s like having a reliable lunchbox that not only keeps your sandwich fresh but also protects it from unexpected bumps along the way.

If you would like more information on how D&O insurance can benefit your non-profit, reach out to me, Gigi, One Way Insurance Group's risk advisor and non-profit specialist, at

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