Any occurrence not excluded is covered. Some exclusions
Intentional Acts, Pollution, Workers' Compensation Claims, Auto Claims, Watercraft Claims, War, Intentional Advertising Injury, Willful Violation of Law, Erroneous Advertising, Employment Related Practices
Also excluded are claims or allegations of civil liability not included above. For example: allegation of financial or mental harm resulting from malfeasance, misfeasance or nonfeasance (improper act or decision, improper implementation of a proper act or decision, failure of loyalty, disclosure or reasonable care.
NOTE: Defense and coverage for acts in the above paragraph are covered by a Directors and Officers Errors and Omissions policy. For unpaid directors of nonprofit organizations, coverage is provided by most personal umbrella policies.
WHO IS AN INSURED
The organization, executive officers, directors, employees. For associations, members and volunteers may often be added as additional insureds.
THIS IS ONLY A SIMPLIFIED SUMMARY. THE POLICY IS THE CONTRACT