What is the difference between the General Liability policy and the Directors and Officers Liability policy?
The two policies protect against a different type of lawsuit. The Directors and Officers policy should not be confused with the General Liability policy, although they cover the same entities: the organization itself, the directors, officers and volunteers. Primarily, the general liability policy protects against lawsuits alleging negligence by the organization and its people caused “bodily injury” to a spectator or a player. Also, the policy covers other types of lawsuits such as “property damage” and “personal injury” which includes slander and libel. Conversely, the Directors & Officers Liability policy protects against certain types of lawsuits that are not covered by the General Liability policy. The types of lawsuits that the Directors & Officers Liability policy is meant to cover include when someone’s rights have been violated under state, federal or constitutional law or allegations of economic damages. Examples of potentially covered lawsuits under this policy include; wrongf
