Directors and Officers (D&O) Liability Insurance

Directors and Officers (D&O) Liability Insurance  


ADHA has provided its constituents and incorporated components access to a customized Directors & Officers Liability program to protect directors & officers from liability resulting from decisions they’ve made on behalf of the organization. Cost savings have been negotiated for ADHA.


To determine if this protection is a fit for your orgainzation, you can contact AMBA at (515) 674-6933 and speak to Sally Cousineau or e-mail her at [email protected].


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is protected under this policy?

    Past, present or future Directors; Trustees; Officers; Board Members; Paid, Leased, Temporary Employees; Volunteers or Staff Members of the Organization.

  • What is the available coverage?

    • $1,000,000 per claim with Blanket Annual Aggregate of $ 5,000,000 with $2,500 retention
    • Policy includes Employment Practices Liability included in the above policy limits
  • What are some of the policy features?

    • Defense costs are outside the policy limits
    • Duty to Defend coverage
    • First Dollar Defense coverage
    • Entity coverage
    • Outside Director coverage on other non-profit boards
    • Punitive Damages, where allowed by law
    • Discrimination and violations of the ADA act
  • What are some of the benefits of a Blanket D&O policy?

    • Min premium is as low as $318 for partial year and maximum of $424 for full annual
    • Receive all the benefits of a Comprehensive D&O policy without the high premium
    • Easy to complete application
    • Coverage is guaranteed

  • What are some of the standard exclusions?

    • No coverage for dishonest, fraudulent, criminal or malicious acts or omissions
    • No coverage for claims relating to bodily injury, sickness, disease or death
    • No coverage for injury to or destruction of property
    • For losses covered under other valid policies for which notice of claim has been given
    • Pollution
  • How do I apply?

    For assistance in determining the proper D&O insurance coverage to meet the needs of your Component, please contact AMBA at (515) 674-6933 and speak to Sally Cousineau or e-mail her at [email protected].

The information on this site describes the benefits for eligible employees of American Dental Hygienists' Association and is intended to provide a brief overview of the coverage. In the event of any conflict or inconsistency between the information on this site and the information contained in the underlying plan documents, the plan documents, as interpreted by the Plan Administrator, will in all respects control and govern. If any provision is not explained or only partially explained, your rights will always be determined under the provisions of the underlying plan documents, as interpreted by the Plan Administrator. For complete plan details, please consult your HR department.

AMBA’s Role & Compensation