Directors & Officers Insurance

Directors and Officers have a duty to exercise due diligence in overseeing the management of the organization that they serve. They are required to act in good faith and in the best interest of the organization.

At Middlesex Mutual we understand as a not-for-profit organization, budgets can be tight. Please call us today and ask about our rates. We think you will be pleasantly surprised.

Talk to a Middlesex agent to see if you are eligible for coverage.

Why do companies purchase Directors and Officers insurance coverage?

Directors and Officers insurance policies offer liability coverage to protect against claims which may arise from the decisions and actions taken within the scope of a board’s regular duties.

Due diligence involves three basic duties:

Duty of Diligence (Duty of Care)

Act reasonably, in good faith and in the organization’s best interest.

Duty of Loyalty

Place the interest of the organization before their own.

Duty of Obedience

Act within the scope of the organization’s bylaw and any regulatory legislation.

Directors and Officers of nonprofit organizations are at risk as they can be held:

  • Personally liable for their decisions.
  • Liable for acts committed by other directors simply because they sit on the same board.

Middlesex Mutual Insurance is pleased to bring you our Nonprofit Directors and Officers Liability protection. 

Please note:

For illustration purposes only. Actual policy wordings govern. The above is meant as general information to help you understand the different types of coverages. All coverages are subject to the terms, limits, provisions, exclusions, and conditions in the policy itself. Coverage availability is subject to underwriting eligibility and guidelines. We encourage you to speak to your agent or broker and to read your policy contract fully to understand your coverages.