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This booklet is designed to provide general information about vehicle risks based on our many years of experience in handling claims and lawsuits against nonprofit organizations. This booklet is not intended to offer legal advice or counsel. The information contained in this booklet does not alter the terms of any insurance contract or the law of the jurisdiction which is the site of any potential claim or suit. It is the terms and provisions of your insurance contract which provide the scope of the applicable coverage. Because the areas of law constantly change, those using this booklet should not rely on it as a substitute for independent research.

Collaboration may feel like a code word for “merger”, but that’s not the case. Collaborations and partnerships come in many forms. Information sharing, shared grant writing, shared office space and administrative resources, joint programming ventures, organizations advocating together, and even mergers of two or more organizations are just some examples. While collaboration is something that may bring joy to the collaborators and new revenues to the nonprofit involved, it can also spell disaster for a nonprofit. Failed collaborations can affect the ability of the nonprofit to operate effectively in the long run or exhaust the valuable resources of the nonprofit that are needed for mission-critical activities

What’s a crisis? It’s any event or circumstance that threatens the ability of your nonprofit to achieve its mission. A crisis may be short-lived, or it may stress your nonprofit for months at a time. A crisis may be foreseeable (and therefore preventable) or unavoidable. Some nonprofits operate for decades without facing a true crisis, while others find themselves repeatedly embroiled in situations that threaten the organization’s viability. To a large extent, your vulnerability to a crisis stems from who you are and what you do. Sometimes it may be directly related to the steps you have taken to insulate your nonprofit from avoidable emergencies.

This booklet does not provide legal advice, nor does it provide detailed information on any particular directors and officers liability insurance policy. We urge you to consult with legal and insurance professionals for assistance with this type of information. However, we hope this booklet will help you gain a better understanding of some of the key issues surrounding the topics of board liability and D&O insurance and enable you to take appropriate steps to protect the valuable assets of your nonprofit.