What is Director and Officer (D&O) Liability?

D&O Liability provides coverage for lawsuits that arise out of wrongful acts, or errors and omissions-type claims. Examples of such claims under this policy would be: employment-related claims, including negligent hiring practices or wrongful termination; acts beyond the authority of the league or chapter; wrongful suspension of players, coaches or officials; selection and eligibility disputes; matters involving changes to, interpretation of, or implementation of rules; sexual harassment;

and gender, racial or ethnic discrimination. If the officers of your chapter, league or association were sued for these types of incidents, coverage for such a claim would fall under a D&O policy.

D&O insurance does not cover claims that arise our of bodily injury or property damage. Those types of incidents are specifically covered under the general liability policy that is automatically provided to all members of US Lacrosse. If a board member or director of a chapter, league or officials' association were sued because a player was severely injured, or because a traveling team vandalized someone's property, those claims would be covered under the general liability policy.

Who is covered by D&O Insurance? The D&O policy protects the individual directors and officers of the chapter or league. It also covers the chapter or league entity itself, as well as members of the chapter/league while acting in an official capacity, such as coaches, managers or volunteers.

Who should purchase the coverage? US Lacrosse highly recommends that all chapters purchase D&O liability to protect their board and cover their operations. The coverage is also available to lacrosse officials' associations and to leagues who are comprised of US Lacrosse members.

Note: All the above information are subject to change without notices.