Directors & Officers (D&O) Insurance
Directors & officers insurance protects the volunteer board members and officers who govern your league or club. It covers claims of mismanagement, discrimination, wrongful termination, or breach of duty — exposures that put a volunteer's personal assets at risk.
D&O for Youth Sports Leagues & Clubs
The parents who volunteer to run your league make real decisions — budgets, registration fees, coach selection, player eligibility, and disciplinary actions. Any of those decisions can draw a lawsuit, and without D&O coverage, a volunteer board member's personal assets are exposed. D&O protects the people who keep the organization running.
What It Covers
- Mismanagement claims: Allegations of financial or operational mismanagement
- Discrimination & wrongful acts: Claims tied to player eligibility, roster, or fee decisions
- Wrongful termination: Claims from a removed coach, volunteer, or employee
- Breach of duty: Allegations a board failed in its governance responsibilities
Why Volunteers Need Personal Protection
People volunteer to coach and run leagues out of community spirit — not to risk their savings. A disgruntled parent or removed coach can name individual board members in a suit. D&O funds the defense and any covered judgment so volunteering doesn't become a personal financial risk.
Often Required to Recruit a Board
Many qualified volunteers won't join a board without D&O coverage in place. Carrying it isn't just protection — it's how leagues attract and keep the leaders they depend on.
What's Covered
Frequently Asked Questions
Yes, especially because you're volunteers. Board decisions about fees, eligibility, and coaches can draw lawsuits, and without D&O a volunteer's personal assets are exposed. It's also how many leagues recruit qualified board members.
No. GL covers bodily injury and property damage. Claims about management decisions — discrimination, wrongful termination, mismanagement — are covered by D&O, a separate policy built for governance exposures.