The directors and officers of non-profit organizations (NPO) have a responsibility to oversee the activities of the organizations they serve and are required to act in the best interest of the organization, its employees, volunteers and their clients. Wrongful act allegations may be brought against a nonprofit organization, which can result in defense costs, settlements and judgments. In order to protect the organization’s mission and the board’s personal assets, Nonprofit D&O is essential. Board members may not realize they may be held personally liable for the actions of the organization, and board decisions which can place their personal assets in jeopardy. As a professional association, homeowners association (HOA), charity or a social service organization, that is money better spent going toward the organization’s mission.