D&O – Non-profit

Business team looking at computer monitor

After entering the Canadian market more than 25 years ago, we’re proud to be one of the top 3 domestic D&O insurers in Canada.* We want to remain top of mind when you think D&O, which is why we’re now offering broader coverage to non-profit entities through our market-leading, Private Advantage Liability (PAL) product, with additional enhancements offered through our Non-profit amendatory endorsement.

*based on GWP as reported in the 2018 OSFI Results

Target classes

We have a broad appetite covering a majority of industries with a few exceptions noted below. However, generally we are targeting comapnies that are financially stable with experienced directors and officers.

What we’ve been writing

  • Community centres
  • Orchestras
  • Social clubs
  • Sports organizations

Generally excluded from appetite

  • Condo corporations
  • Political organizations
  • Schools, colleges, and universities
  • Union organizations

Policy highlights

  • Non-rescindable “Side A” insuring agreement
  • Additional $1M “Side A” limit of liability for executives
  • NIL deductible for “Side A” claims, defence costs for “Side B” claims and “Side C” claims occurring in Canada (except from a claim based on wrongful employment practices) and investigation costs or public relations costs
  • Broad definition of “executive” and “employee”
  • Bodily Injury, Property Damage (BI/PD) exclusion not applicable to:
    • emotional distress, humiliation or mental anguish or injury resulting from libel, slander, defamation or disparagement or from a violation of an individual’s right of privacy caused by wrongful employment practices
    • defence costs on account of any claim under section 217.1 of the Criminal Code, R.S.C. 1985, c. C-46, Bill 168, the United Kingdom Corporate Manslaughter and Corporate Homicide Act of 2007, or any similar legislation, against an Insured Individual
  • Personal Coverage for statutory Liabilities in Bankruptcy
  • Public Relations Costs for Crises (Sublimited)
  • Coverage for Penal and Criminal Proceedings for both the Insured Individuals and Insured Entity (Sublimited)
  • Coverage for any formal inquiry, investigation or commission for both the Insured Individuals and Insured Entity (Sublimited)


$10 million

The Liberty difference

  • Access to our a highly-acclaimed broker portal, LibertyQuote.ca, which issues policies immediately
  • Ability to offer multi-year policies up to three-years to ensure greater protection and reduce the time and cost spent on annual renewals
  • Ability to offer up to 10 years “Run-off” coverage when the parent organization is sold, providing extra security for the executive team
  • Experienced underwriting and claims team with the ability to correspond in English, French, Greek, Spanish, Cantonese & Mandarin
  • Now offering “fast-track” renewal process making it easier and less time consuming to process renewals


You wanted an easier way to submit applications. This is it. LibertyQuote.ca is an online portal that can be used to instantly obtain quotes, submit applications, and bind policies for private Directors and Officers (D&O), non-profit D&O, Employment Practices Liability (EPL), Pension/Fiduciary Liability, and Commercial Crime.

Some key features of LibertyQuote.ca include:

  • Limits of Liability up to $5 million ($1 million for crime)
  • Online application can be completed by client or broker
  • Real time quotes on a broad Private D&O/non-profit D&O/EPL/Fiduciary or Crime policy wording
  • Instant policy documentation via email
  • Able to process clients with revenues up to $100 million, and companies with up to 500 employees (including 50 in the U.S.)

Why Liberty?

  • • A.M. Best Financial Strength Rating ‘A’ (Excellent); S&P rating of ‘A’ (Strong)
  • • Efficient cross-border capabilities
  • • Established Canadian market presence for over 25 years
  • • Access to Liberty Mutual’s extensive international network
  • • Local underwriting authority
  • • Local risk engineering and risk control experts
  • • In-house claims service team