Connect coverage to the actual operation
Associations may make decisions about membership, discipline, elections, standards, accreditation, benefits, advocacy, events, publications, and chapter relationships. D&O, EPLI, professional liability, media, cyber, event, and general liability should reflect the organization's actual authority and services.
Risks to review
- Membership, election, discipline, credentialing, or governance disputes
- Standards, publications, education, referrals, or service allegations
- Conferences, chapters, volunteers, sponsors, and event contracts
- Dues, payments, member data, cyber incidents, and crime
Information to prepare
- Bylaws, membership structure, chapters, committees, and governance
- Programs, publications, certifications, standards, and advocacy work
- Employees, volunteers, conferences, contracts, and revenue sources
- Cyber controls, financials, prior coverage, claims, and circumstances
Frequently asked questions
Can member disputes become D&O claims?
Potentially. Allegations may involve elections, access, discipline, bylaws, fiduciary duties, or governance decisions. Coverage depends on the claim and policy terms.
Should chapters be included in the insurance review?
Yes. Their legal status, control, activities, finances, employees, events, and existing insurance should be clearly documented.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.