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ASSURART insures a significant number of cooperatives, non-profit organization, social enterprises and charities. Although their insurance needs differ, they share the willingness to contribute to the well-being of the community.

Whatever your sector of activity, we can help you choose insurance covers to protect your organization adequately.


Directors & officers Insurance


Because a not for profit organization, its directors and officers can be held personally and jointly liable for acts or omissions that occurred while performing their functions. Directors and officers can be held personally liable for not having adequately monitored or managed the organization. They can be held jointly responsible for acts committed by other directors and officers who sit on the same board.

The most common causes of lawsuits are:

  • Breach of duty
  • Employment practice
  • Wrongful dismissal
  • Misrepresentation/Non-disclosure
  • Unremitted source deductions
  • Defamation

Directors and officers liability Insurance is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.

General liability insurance to cover the legal costs to defend your organization should you, an employee or a volunteer be sued for having caused bodily injury or physical damage to a third party. If the Court finds you guilty of negligence, the Insurer would also pay the indemnity to the harmed person, up to the limit of the insurance policy.

Errors & omissions insurance to cover the legal costs to defend your organization should you, an employee or a volunteer be sued for having caused financial damage to a third party. Claims can include wrongful advice, making an error while providing professional services. The Insurer would also pay the indemnity for which the Court holds you liable, up to the limit of the insurance policy.

Property insurance to cover physical losses caused by fire, theft, vandalism and other.