Directors and Officers Liability (D&O) insurance is offered on a voluntary basis to all non-profit member clubs meeting the program eligibility requirements. This important coverage is not the same as General Liability as it does not include coverage for bodily injury claims. D&O insurance protects club directors & officers from personal liability associated with their wrongful acts, errors, and omissions in the performance of duties for the Club. Typical D&O claims often allege mismanagement of funds and negligent decisions affecting club members, participants, coaches, officials and others. The policy also provides Employment Practices Liability (EPL) coverage for claims alleging harassment, discrimination or wrongful termination.