D & O Liability Insurance

To Delta Region club directors:  Please be cognizant of your liability as a club director or coach.  Director's & Officer's Liability Insurance is available for $600.00 annually.   Clubs will easily pay this amount for an entry fee, but are hesitant to protect their volunteer leadership for the many risks associated with running a junior volleyball club.  You are encouraged to seriously consider purchasing D & O Liability Insurance as a cost of doing business. 

Delta Region of USA Volleyball

As you may know, there exists potential personal liability against directors, officers, employees and volunteers of your non-profit organization for activities, responsibilities and decisions associated with your Club or Region. Unlike General Liability insurance, Association Liability insurance (which is also known as Directors & Officers Liability insurance) provides protection for your personal assets in the event you are held personally liability for any wrongful act, error or omission in your capacity as a director, officer, employee or volunteer. It also provides protection for Non-profit Clubs or RVA, if named as a defendant in a lawsuit.

Our general observation is that many of our Clubs and RVAs may not be properly insured for these potential exposures. In order to address this issue, ESIX has negotiated a program that offers broad protection for this exposure at very competitive rates. We endorse and sponsor this program and have negotiated coverage that is customized for our local and regional organizations. An electronic platform has been created to make application and payment process easy and quick. Briefly, a $1 million limit of protection may be purchased by each individual Club or RVA to protect all directors, officers, employees and volunteers of that Club or RVA for $600 annually if your gross annual receipts are under $100,000, or $975 annually if your gross annual receipts are between $100,000 and $250,000 (assuming no pending or prior loss activity).

Regions with annual receipts in excess of this limit will be given an individual quote.  Unlike previous plans, this coverage will be effective for 12 months from when you purchase this coverage, regardless of the date coverage is purchased. Those of you who currently have D&O insurance are advised to apply for coverage to begin November 1, so as not to duplicate what you already have in place.