Given today’s legal and economic climate, there is a real need to protect board members, officers, staff and our organizations themselves from the uncertainties of claims against directors and officers, in particular employment practices liability claims. Providing D&O and EPL coverage is the cornerstone for good nonprofit risk management.

HANO members can now take advantage of a valuable, money-saving members-only benefit: low-cost, high-quality directors and officers insurance. The HANO D&O Protection Program provides exclusive coverage at a preferred premium, coverage not available to Hawaii nonprofits that are not members of HANO.

To administer the program, HANO chose American Mutual Group. It is underwritten by Monitor Liability Managers, a wholly owned subsidiary of the W. R. Berkley Corporation, an insurance holding company with assets exceeding $12 billion.

D&O liability insurance gives nonprofit directors and officers the protection they need from personal liability and financial loss arising out of wrongful acts committed or allegedly committed in their corporate capacities, in particular employment practices claims.

AMG is processing applications and providing quotes for HANO members from Monitor. AMG will email applications to organizations interested in coverage.  They will review the completed applications and will submit them to Monitor for quotes. If a member decides to purchase the coverage, AMG will furnish the policy. To obtain a quote for your organization, This email address is being protected from spambots. You need JavaScript enabled to view it., or call her at (808) 522-8662.

The features of the HANO D&O Protection Plan include:

  • Board directors and officers and employment practices liability coverage with competitive terms
  • 24 to 48 hour response time on most applications for quotes
  • Automatic renewals for most small nonprofits, dispensing with the need for additional documentation upon renewal
  • One of the fastest response times for quotes in the industry
  • Policy issuance within 2 weeks of policy conditions being met

If a claim should arise, Monitor has a highly professional and skilled claims staff to assist the policy holder and ensure the highest standards in claim management. Monitor also maintains an elite panel of defense counsel with expertise in nonprofit clams, poised to defend the organization.

Each insured HANO member also receives complimentary access to a toll-free Employment Practices Prevention Hotline to assist in avoiding employment pitfalls.

Monitor has also added third party liability coverage for HANO D&O Protection Program participants at no additional cost. The usual amount charged for this enhanced coverage varies between 10 and 20 percent, depending upon the nature of the insured organization.


Your Membership Is Important: The more nonprofit members HANO has the more effective the Alliance can be on their behalf. To learn more about HANO and to apply for membership, joining more than 270 Hawaii nonprofits who are already members, click  HERE.

TRY HANO's Job Bank

Hire the Best; Find a New Job: HANO's powerful online Job Bank brings Hawaii nonprofit employers and jobseekers together. Employers, post a job or scan candidate resumes. Job hunters, post your resume for FREE and let jobs find you. Check it out − click HERE.

USE HANO Consultants

Let HANO Assist You: We can bring workshops like board governance, budgeting, fund development and advocacy to your nonprofit. We also facilitate conversations and planning sessions and provide other services. For details, click HERE.

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