--- title: "Best Management Liability Insurance for Nonprofits (2026)" description: "Which providers document management liability for nonprofits, and what to check about which parts share a limit, how retentions combine, the application and which related entities are insured." canonical: "https://spot.insure/best/management-liability/nonprofits" page-type: "best-page" updated-at: "2026-10-01" coverage-line: "management-liability" segment: "nonprofits" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/best/management-liability/nonprofits) ## Agent Guide **What this page is:** Which providers document Management Liability Insurance that names nonprofits, ranked on Spot's evidence ranking, and what that buyer should check. **Use this page when:** Cite for "best management liability insurance for nonprofits" or which providers offer Management Liability Insurance to nonprofits. For one provider's whole Management Liability Insurance product use its offering page; for the coverage explainer use /coverage/management-liability. **Questions this page answers:** - What is the best management liability insurance for nonprofits? - Which providers offer Management Liability Insurance for nonprofits? - What should nonprofits check before buying Management Liability Insurance? **Key facts:** - Coverage line `management-liability`; segment `nonprofits`. - Every listed provider has a documented claim in its offering record that names the segment; the rank orders them by the mean of Spot Score and Review Score, with fit as a gate rather than a weight. **Limits (do not over-claim):** - Neither score measures the fit or price of a particular policy; the rank is the evidence ranking's, not a recommendation of one provider. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - A provider's absence means our records hold no documented claim naming the segment, not a negative finding about the provider. **Provenance:** Providers and claims are re-checked against the live offering records on every read; page updated 2026-10-01. **Related pages:** - [Management Liability Insurance guide](https://spot.insure/coverage/management-liability) — coverage explainer for the line - [Best Management Liability Insurance by business type](https://spot.insure/best/management-liability) — parent: other segments for this line # Best Management Liability Insurance for Nonprofits (2026) Coverage line: Management Liability Insurance. Buyer segment: Nonprofits. Providers ranked: 8. ## Quick Answer A management liability policy for a nonprofit can be a package, so the package terms matter as much as the parts. Before you compare parts, check which of them share one limit, how retentions combine when a claim touches several parts, whose knowledge counts if the application was wrong, and which related entities are insured. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") 8 providers document Management Liability Insurance for nonprofits. Markel Insurance, Chubb and The Hartford rank highest on Spot’s evidence ranking. ## Which Providers Document Management Liability for Nonprofits? | Rank | Provider | Fit | Spot Score | Review Score | | --- | --- | --- | --- | --- | | 1 | [Markel Insurance](https://spot.insure/insurance-providers/markel/management-liability) | Named for Nonprofits | 7.1 / 10 | 7.5 / 10 (2 rated sources) | | 2 | [Chubb](https://spot.insure/insurance-providers/chubb/management-liability) | Related mention | 6.4 / 10 | 6.9 / 10 (5 rated sources) | | 3 | [The Hartford](https://spot.insure/insurance-providers/the-hartford/management-liability) | Named for Nonprofits | 7.3 / 10 | 4.9 / 10 (5 rated sources) | | 4 | [Travelers](https://spot.insure/insurance-providers/travelers/management-liability) | Named for Nonprofits | 6.1 / 10 | 4.8 / 10 (3 rated sources) | | 5 | [CNA](https://spot.insure/insurance-providers/cna/management-liability) | Named for Nonprofits | Not rated | 9.0 / 10 (1 rated source) | | 6 | [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual/management-liability) | Named for Nonprofits | Not rated | 7.2 / 10 (2 rated sources) | | 7 | [AIG](https://spot.insure/insurance-providers/aig/management-liability) | Named for Nonprofits | Not rated | 4.4 / 10 (2 rated sources) | | 8 | [Zurich U.S.](https://spot.insure/insurance-providers/zurich/management-liability) | Named for Nonprofits | Not rated | No review score | ### 1. Markel Insurance Spot Score basis: Carrier & MGA Spot Score · Assessed 2026-09-29 · Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and…. - Private companies and nonprofits; the source treats named coverages as product options, not guaranteed eligibility. [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and nonprofit management liability insurance") (Evidence: Company-reported; scope: management liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.) - The cited product page describes standalone or blended D&O, EPL, and fiduciary liability options for private companies and nonprofits. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and nonprofit management liability insurance") (Evidence: Company-reported; scope: management liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.) Full page: [Markel Insurance Management Liability Insurance](https://spot.insure/insurance-providers/markel/management-liability). ### 2. Chubb Spot Score basis: Carrier & MGA Spot Score · Assessed 2026-09-23 · Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for…. - Chubb's management liability line spans management liability for public companies, private/not-for-profit organizations and financial institutions, plus fiduciary liability, crime, kidnap/ransom/extortion, workplace violence expense and employment practices liability, and global transactional risk coverage. [9](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") (Evidence: Company-reported; scope: Management Liability product-list page.) Full page: [Chubb Management Liability Insurance](https://spot.insure/insurance-providers/chubb/management-liability). ### 3. The Hartford Spot Score basis: Carrier & MGA Spot Score · Assessed 2026-09-23 · The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related…. - The Hartford offers management-liability coverage to nonprofit organizations (social service agencies, associations, museums, foundations), publicly traded companies, and privately-held companies, plus a separate financial-institutions track and a general-partners track for limited partnerships. [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23.) Full page: [The Hartford Management Liability Insurance](https://spot.insure/insurance-providers/the-hartford/management-liability). ### 4. Travelers Spot Score basis: Carrier & MGA Spot Score · Assessed 2026-09-23 · The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers…. - The suite Travelers lists under management and professional liability includes CyberRisk, directors & officers, employment practices, ERISA fidelity, errors & omissions, fidelity & crime, fiduciary liability, financial institutions bond, identity fraud expense reimbursement, kidnap & ransom, nonprofit D&O, and financial-institution-specific professional liability and property & casualty coverage. [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: Product page "Select a product" list; each product's specific terms are set by its own policy.) - Travelers markets this suite to private companies, public companies, nonprofit organizations, financial institutions and professional services companies of all sizes. [11](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: Product page introduction.) Full page: [Travelers Management Liability Insurance](https://spot.insure/insurance-providers/travelers/management-liability). ### 5. CNA - CNA discusses exposures for public/private companies, nonprofits and smaller businesses. [12](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.) Full page: [CNA Management Liability Insurance](https://spot.insure/insurance-providers/cna/management-liability). ### 6. Liberty Mutual - The ProShield page identifies private and not-for-profit organizations as its intended audiences; industry-page listings do not establish universal eligibility. [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [13](https://business.libertymutual.com/industries/professional-services/ "Professional services") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.) Full page: [Liberty Mutual Management Liability Insurance](https://spot.insure/insurance-providers/liberty-mutual/management-liability). ### 7. AIG - AIG describes solutions for public, private and nonprofit organizations, financial institutions and professional services firms. [14](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability "Management & Professional Liability Insurance | AIG US") (Evidence: Company-reported; scope: AIG US product portfolio. Claim limitation: No individual revenue/industry/state eligibility established. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation.) Full page: [AIG Management Liability Insurance](https://spot.insure/insurance-providers/aig/management-liability). ### 8. Zurich U.S. - Zurich says the management-liability suite is designed for public, private and nonprofit companies. [15](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; management liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.) Full page: [Zurich U.S. Management Liability Insurance](https://spot.insure/insurance-providers/zurich/management-liability). ## How Did Spot Rank Management Liability Providers for Nonprofits? Spot lists a provider only when its published Management Liability Insurance information includes a documented claim (verified or company-reported) about eligibility, role, coverage or application that mentions nonprofits. “Named for Nonprofits” marks a provider’s own statement of who it serves; “Related mention” marks a role, coverage or application claim. Providers with both a Spot Score and a Review Score rank first, then providers with one of the two, then providers with neither. Within each group the order is the equal-weight average of the scores the provider has, as in the industry guides; ties break on fit, then the number of documented claims, then name. The Spot Score comes from Spot’s reliability assessments and the Review Score from the provider’s rated review sources. Neither measures whether a policy fits your business or what it costs. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). ## What Do Nonprofits Need From Management Liability Insurance? What a package includes differs by seller. One carrier's package combines directors and officers, employment practices, fiduciary and crime cover in a single policy for private and not-for-profit organizations; another carrier's page describes D&O, employment practices and fiduciary liability as standalone or blended coverage; a third carrier's 2014 nonprofit factsheet lists D&O, employment practices, fiduciary and employed lawyers' liability and no crime part; and a fourth describes up to seven optional parts, each working as a standalone policy or together. Ask which parts your quote contains instead of assuming a package includes crime. [2](https://www.hiscox.com/documents/brokers/management/6852_us_not_for_profit_mlp_factsheet.pdf "Not-for-Profit Management Liability Insurance (factsheet 6852 10/14)") [4](https://www.chubb.com/us-en/business-insurance/forefront.html "ForeFront Portfolio") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and nonprofit management liability insurance") Whether to bundle is a choice. A broker's national nonprofit practice said in its 2025 report that it is encouraging nonprofit clients to consider splitting up (unbundling) these exposures under separate policies for better coverage, lower retentions and better premiums. That is one broker's view, not a rule. One carrier says its parts work as standalone policies or together to minimize gaps and reduce overlaps. Ask for a package quote and separate quotes, and compare limits and retentions. [4](https://www.chubb.com/us-en/business-insurance/forefront.html "ForeFront Portfolio") [8](https://www.ajg.com/-/media/files/gallagher/us/news-and-insights/2025/nonprofit-d-and-o-management-liability-report.pdf "Nonprofit D&O Management Liability Report 2025") Your nonprofit may be several entities. In a 2009 nonprofit specimen, subsidiaries are entities the named organization controls, an affiliate is insured only if listed by endorsement and only for the part named on the endorsement, and a nonprofit acquired mid-term with assets under 40% of the named organization's consolidated assets is a subsidiary if the named organization gives the insurer full particulars before the policy period ends. In a 2021 specimen of another carrier's package, a foundation or charitable trust controlled by the parent organization is a subsidiary, while in the nonprofit D&O part a for-profit entity or chapter is added only by endorsement. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") ## Which Management Liability Exposures Do Nonprofits Face? One event can touch several parts, and the form decides which pays. In the 2009 specimen, each part's terms apply only to that part, notice must name the part under which a claim is noticed, and the employment part is primary while the other parts are excess of other insurance. In a private-company package form, a loss covered by two or more liability parts is paid once, employment loss first, capped at the single greatest remaining limit of any applicable part, and the insurer may decide which part pays whichever part was noticed. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [5](https://insurance.archgroup.com/wp-content/uploads/sites/2/ArchCanopy2_Playbook-1.pdf "Arch Corporate Canopy 2.0 playbook and policy form PCD0700 00 07 22 (private companies)") A shared limit can be used up by another part's claim. In the 2009 specimen, a part's limit is either shared with parts designated in the declarations or separate, both inside a policy aggregate, and defense costs count toward the limits. In the 2021 specimen, a part designated as shared reduces and may exhaust the limit of every other shared part, while the crime, kidnap-ransom-extortion and workplace violence parts carry limits set in their own portions of the declarations. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") Retentions combine differently from form to form. The 2009 specimen applies each part's retention separately, and where parts share a limit it deems the highest applicable retention to apply to the claim. The 2021 specimen and the private-company form apply retentions separately to each liability part but cap the sum at the largest one. Ask how your quote totals them on a claim that touches more than one part. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") [5](https://insurance.archgroup.com/wp-content/uploads/sites/2/ArchCanopy2_Playbook-1.pdf "Arch Corporate Canopy 2.0 playbook and policy form PCD0700 00 07 22 (private companies)") Related claims may merge, but not across every part. In the 2021 specimen, related matters are deemed a single matter with respect to the liability parts, and the crime, kidnap-ransom-extortion and workplace violence parts have their own limits and retentions. In the private-company form, related claims are a single claim regarding the liability parts. Ask whether a loss that produces a theft claim and a management claim counts as one matter or two. [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") [5](https://insurance.archgroup.com/wp-content/uploads/sites/2/ArchCanopy2_Playbook-1.pdf "Arch Corporate Canopy 2.0 playbook and policy form PCD0700 00 07 22 (private companies)") ## What Should Nonprofits Check Before Buying Management Liability Insurance? Ask who signs the application and whose knowledge counts. In the 2009 specimen one application underlies every part, and if it was inaccurate in a way that materially affects the risk, the policy is void ab initio as to an insured who knew of the facts at inception, with that knowledge not imputed to others. In the 2021 specimen each insured makes a separate request for coverage, only the actual knowledge of the control group, which in the nonprofit D&O part includes the executive director, is imputed to the organization, and, for its liability parts, the insurer may not void or rescind the policy as to any insured, though it denies coverage for matters based on a misrepresentation made with intent to deceive or that materially affects the risk, if the insured person knew of it or, for the organization, a control-group member did. The private-company form also bars rescission and adds the person who signed the application to the test for its crime part. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") [5](https://insurance.archgroup.com/wp-content/uploads/sites/2/ArchCanopy2_Playbook-1.pdf "Arch Corporate Canopy 2.0 playbook and policy form PCD0700 00 07 22 (private companies)") Get the draft declarations, not just the brochure. In both specimens the choice between shared and separate limits is made on the declarations, which the 2021 specimen leaves blank and the 2009 file does not include. Read which parts share, the policy aggregate, each part's retention and whether defense costs reduce the limits. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") Ask where crime sits. One package includes crime in the single policy, one nonprofit factsheet lists no crime part, and in the 2021 specimen crime is a separate part with its own limit. Get the crime limit and retention in writing and ask whether a loss under it is treated as part of the same matter as a liability claim. [2](https://www.hiscox.com/documents/brokers/management/6852_us_not_for_profit_mlp_factsheet.pdf "Not-for-Profit Management Liability Insurance (factsheet 6852 10/14)") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") Name every part that might respond when you give notice. The 2009 specimen requires notice to reference the part or parts under which a claim is noticed, and the private-company form lets the insurer decide which part pays regardless of the part noticed. Ask your broker which parts a given incident could reach, and name each one when you report it. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [5](https://insurance.archgroup.com/wp-content/uploads/sites/2/ArchCanopy2_Playbook-1.pdf "Arch Corporate Canopy 2.0 playbook and policy form PCD0700 00 07 22 (private companies)") ## What Do Nonprofits Ask About Management Liability Insurance? ### Is Management Liability Insurance the Same as D&O Insurance for Nonprofits? No. D&O is one part of the management liability packages we read. One carrier's package combines D&O, employment practices, fiduciary and crime in a single policy, and a 2009 nonprofit specimen refers to separate parts including D&O, employment and fiduciary. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### Does Management Liability Insurance for Nonprofits Include Crime Coverage? It depends on the carrier. One package includes crime in a single policy, one nonprofit factsheet lists D&O, employment practices, fiduciary and employed lawyers' liability without crime, and another carrier offers crime as a separate optional part with its own limit. [2](https://www.hiscox.com/documents/brokers/management/6852_us_not_for_profit_mlp_factsheet.pdf "Not-for-Profit Management Liability Insurance (factsheet 6852 10/14)") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### Do the Parts of a Management Liability Policy Share One Limit for Nonprofits? It depends on the declarations. The 2009 specimen and the 2021 specimen both let the buyer designate which parts share a limit and which have separate limits, and a shared limit reduces and may exhaust the others. Ask for the declarations. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") ### Should Nonprofits Buy Management Liability as a Package or Separate Policies? Compare both. A broker's national nonprofit practice said in 2025 that it encourages nonprofit clients to consider unbundling for better coverage, lower retentions and better premiums, while one carrier says its parts work standalone or together. Ask for both quotes. [4](https://www.chubb.com/us-en/business-insurance/forefront.html "ForeFront Portfolio") [8](https://www.ajg.com/-/media/files/gallagher/us/news-and-insights/2025/nonprofit-d-and-o-management-liability-report.pdf "Nonprofit D&O Management Liability Report 2025") ### Can One Application Mistake Void a Management Liability Policy for Nonprofits? It depends on the form. The 2009 specimen voids the policy as to an insured who knew of facts not accurately disclosed in a way that materially affects the risk, without imputing that knowledge to others; for its liability parts the 2021 specimen bars voiding or rescinding as to any insured and imputes only the control group's knowledge to the organization, but it still denies coverage for matters based on a misrepresentation made with intent to deceive or that materially affects the risk, if the insured person knew of it or, for the organization, a control-group member did. [1](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf "Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part") [3](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf "The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)") ## Related Pages for Management Liability Insurance for Nonprofits - [Best Crime Insurance for Nonprofits](https://spot.insure/best/crime/nonprofits) - [Best D&O Insurance for Nonprofits](https://spot.insure/best/directors-officers/nonprofits) - [Best Employment Practices Liability Insurance for Nonprofits](https://spot.insure/best/employment-practices/nonprofits) - [Best Fiduciary Liability Insurance for Nonprofits](https://spot.insure/best/fiduciary/nonprofits) - [Coverage Guide: Management Liability Insurance](https://spot.insure/coverage/management-liability) - [All Best Management Liability Insurance Pages](https://spot.insure/best/management-liability) ## Sources for Management Liability Insurance for Nonprofits 1. [Management Liability Insurance Policy: General Terms and Conditions (form NFP P001 CW 03/09), specimen bound with the fiduciary coverage part](https://eperils.com/wp-content/uploads/2016/09/nfp-p004-0309.pdf). Hiscox, specimen hosted by an agency site; Clause I; II definitions of Organization, Subsidiary, Affiliate; IV Limits of Liability; V Retention; VI Reporting and Notice; XI Other Insurance; XII Representations and Severability. Accessed 2026-10-01. 2. [Not-for-Profit Management Liability Insurance (factsheet 6852 10/14)](https://www.hiscox.com/documents/brokers/management/6852_us_not_for_profit_mlp_factsheet.pdf). Hiscox; Page 2: coverage available (marketing sheet, 2014). Accessed 2026-10-01. 3. [The ForeFront Portfolio Policy Guidebook (General Terms PF-55501 07/21; D&O for Not-for-Profit Organizations PF-55503 07/21)](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/the_forefront_portfolio_policy_guide.pdf). Chubb; General Terms II Subsidiary, III Limit of Liability, IV Retention, V Related Matters, XII Representations and Severability; Control Group definition (specimen forms). Accessed 2026-10-01. 4. [ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Coverage parts; standalone or together (insurer's marketing statements). Accessed 2026-10-01. 5. [Arch Corporate Canopy 2.0 playbook and policy form PCD0700 00 07 22 (private companies)](https://insurance.archgroup.com/wp-content/uploads/sites/2/ArchCanopy2_Playbook-1.pdf). Arch Insurance; General Provisions 6.A.5 (loss under two or more liability parts), 7.D, 10.D, 11, 17. Accessed 2026-10-01. 6. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual; Opening paragraph (insurer's marketing statements). Accessed 2026-10-01. 7. [Private and nonprofit management liability insurance](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit). Markel; Opening paragraph (insurer's marketing statements). Accessed 2026-10-01. 8. [Nonprofit D&O Management Liability Report 2025](https://www.ajg.com/-/media/files/gallagher/us/news-and-insights/2025/nonprofit-d-and-o-management-liability-report.pdf). Arthur J. Gallagher & Co.; Key observations for 2025 (broker's market commentary, not a policy form). Accessed 2026-10-01. 9. [Management Liability Insurance](https://www.chubb.com/us-en/business-insurance/management-liability.html). Chubb. Accessed 2026-09-23. 10. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford. Accessed 2026-09-23. 11. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers. Accessed 2026-09-23. 12. [Management Liability Insurance and Professional Liability | CNA Insurance](https://www.cna.com/products/management-liability). CNA. Accessed 2026-09-28. 13. [Professional services](https://business.libertymutual.com/industries/professional-services/). Liberty Mutual Business Insurance. Accessed 2026-09-29. 14. [Management & Professional Liability Insurance | AIG US](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability). AIG US. Accessed 2026-09-28. 15. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability) Zurich U.S. Accessed 2026-09-28. ## How to Cite Management Liability Insurance for Nonprofits Best Management Liability Insurance for Nonprofits (2026). Spot, updated 2026-10-01. https://spot.insure/best/management-liability/nonprofits. Quote a provider’s claim with its numbered source. Updated 2026-10-01. ## Agent and Developer Resources - [Markdown page](https://spot.insure/best/management-liability/nonprofits.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)