Editors’ note: The data used in this article were taken from over 1,500 claims against nonprofit directors and officers (D&O) insurance policies issued by the Nonprofits Insurance Alliance Group—based in Santa Cruz, California, but serving more than 14,500 nonprofits in 32 states and Washington, D.C.1 The Nonprofits Insurance Alliance Group serves small to midsize nonprofits, and experiences may well differ for very large organizations with complex business relationships: references to employment practices liability (EPL) claims being both the most expensive and most frequent of nonprofit D&O insurance claims must be understood in light of this fact. There are data suggesting that this may be a different case with other insurance carriers, whose insureds include very large nonprofits, such as the Mayo Clinic and Johns Hopkins University, rather than our community-based charitable nonprofits with budgets typically under $10 million—in which case non-EPL D&O claims are showing as less frequent but generally more costly.