Each business and or company has a back bone and most often that backbone is the directors and officers. Directors and Officers are liable for the company, making sure each department is being run smoothly. However, it is essential for them to be “taken care of” in case of any mistakes. Within the non-profit world, it is important to hold proper Directors & Officers Liability Insurance (D&O) to not only protect the directors, officers and administrators but to also protect company assets. D&O insurance is protection against a breach of duty such as failure to provide services, mismanagement of assets or employment-related issues such as discrimination, harassment and wrongful termination. Since business leaders are responsible for major decisions that impact employees and the general public, they often are blamed if things go wrong. Administration positions have a responsibility to also properly manage risks around the organization. A D&O insurance policy prevents the organization from going bankrupt after an unfortunate mistake. Many organizations overlook this coverage, commonly mistaking it for Professional Liability Insurance.