Club Directors & Officers Liability

Club Directors & Officers Liability  

OVERVIEW

Program Overview

 

Optimist International has provided its Club's access to a customized Blanket Club Directors & Officers Liability program to protect Club Directors & Officers from liability resulting from decisions they’ve made on behalf of their Club.  Cost savings have been negotiated for Optimist International Clubs.

To determine if this protection is a fit for your Club, you can contact Mercer Consumer at 1-877-451-4003 option 2 for detailed coverage information.  The application for new applicants may be accessed by selecting on the blue button, “New Application”. If you have existing D&O coverage, please select the blue button, “Renewal Application”.
 

New Application

Renewal Application

Contacts

We're here to help! Please contact us in whatever manner is most convenient for you.
 

 Address
PO Box 310222
Des Moines IA 50331-0222
 Phone
1-877-451-4003 Option 2

FAQ'S

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; the Club.

  • What is the available coverage?

    • $1,000,000 per claim with Blanket Annual Aggregate of $10,000,000 with $1,000 retention
    • Policy includes Employment Practices Liability included in the above policy limits
    • $20,000 sublimit coverage for claims alleging misuse of membership dues where membership is mandatory
  • 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?

    • Minimum premium is as low as $350 and maximum of $650
    • 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?

    • Complete and submit the application in one of the following ways:
      • Fax: 312-627-6172; or
      • Mail:
        Mercer Consumer, a service of Mercer Health & Benefits Administration LLC
        P.O. Box 310222
        Des Moines, IA 50331-0222
         
    • Payment Options
      • Pay with a credit card* (VISA or MasterCard) by calling customer service at 1-877-451-4003 option 2, Monday – Friday, 7am-4pm (CT).
      • Mail a check with your application.


    *Please do not write your credit card number on the application. For security reasons, we cannot accept credit card information in this manner.