Directors & Officers Coverage

Serving as a director, officer, or manager of a non-profit organization can pose substantial personal financial risk, even to those who are deeply experienced in board positions. Decisions surrounding finances, governance, and other management practices are subject to scrutiny. If a lawsuit arises, there is a delicate balance between the interests of the organization, its management, and its directors, which are not always aligned when it comes to insurance.

Expertise Counts.

With over two decades of experience, Mason & Mason has been helping its local non-profit directors and officers manage liability through risk assessment and sound program design. The non-profit organizations that we insure are near and dear to our hearts, and we feel compelled to help facilitate their mission through the delivery of the best advice and insurance coverage possible.

From small homeowners associations to large-scale non-profits that serve social causes, no two organizations share the same risks. We understand the baseline exposures to guard against, and we work with each organization to install a meaningful and well-designed program.

Market Knowledge

Our access to all major insurers in the industry allows our clients to focus on their most important challenge — successfully carrying out the mission of the organization.

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Nonprofit Organization Insurance Team

"Mason & Mason is a community-minded business with a sincere interest in bettering all aspects of the local community. They have been very generous to Tin Mountain with time and resources. When it comes to community involvement the team at Mason & Mason lets their actions speak for them."


Lori Jean Kinsey, Executive Director of Tin Mountain Conservation Center

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Mountain Top Music Center and the ...

Our friends and neighbors at the Mountain Top Music Center plan to renovate and revitalize the historic Bolduc Block in downtown Conway Village. After a crippling fire in 2005, the building has gone unused but stood in the heart of the village with great potential. Then, just a few short years ago, Mountain Top Music Center was authorized to purchase the building in order to preserve it and secure it as a musical hub for the community. Their vision is to revitalize and utilize the entire property, returning it to its former glory—and, more importantly, to its role as a community gathering place for Conway and a vibrant center for performing arts activity.

Substantial renovations are needed in order to realize their vision. The organization is looking to improve energy efficiency as well as meet the current standards and codes of the town of Conway. To accomplish this they must upgrade windows and doors, as well as other systems within the building. They aim to meet the cosmetic and functionality standards of the 21st century.

Join us in supporting the Mountain Top Music Center and its revival of the downtown Conway Majestic Theater!


Con-DO or Con-DON’T – Condo Insurance ...

There are some advantages to condominium living. One, people feel, is that the association handles insurance so they skip the hassle of having to arrange their own coverage.  While that’s true to some degree, as with most things in life, it’s more complicated than it appears. There are traps for the unwary. To know what the association is going to take care of you need a copy of the by-laws and the master deed. These documents should be made available to your insurance advisors in order that they may design your coverage to coordinate with the “master policy”.

Questions to ask yourself when determining what kind of coverage you need:

  • Will the master policy cover the parts of the unit that you own? – Many associations are obligated to purchase property insurance that covers all building elements including those owned by an individual.  Others are not and the master policy covers only commonly owned elements of buildings.  The master deed identifies commonly owned elements and delineates the boundaries of individually owned units.  The by-laws indicate the association’s obligation.
  • What deductible has been chosen for the master policy? – If damage occurs in your unit only there is little doubt you will be responsible for the deductible even if the master policy provides coverage.  Many associations choose higher deductibles than an individual would be comfortable with in order to keep condo fees low.
  • Who will provide coverage if you improve your unit by adding higher end cabinetry, counter tops or other enhancements? – The master deed and by-laws will answer this question.
  • What is your exposure for assessments due to uncovered or inadequately covered damage to common elements or high deductibles?
  • Is your investment protected in the event of a total loss? – Again, look to the master deed and by-laws as well as the limit available under the master policy.
  • What will you need to adequately cover your personal property and your personal liability exposures? – Of course, the association will not provide any protection in these areas.  They are usually handled with a Condominium Unit Owners Policy.
  • Is the master policy written on a specialized condominium form? – Forms and endorsements have been developed for condominiums that recognize the special relationship of unit owners and the association in relation to the insurer.  These forms are important in reducing the exposures of individual unit owners.

Don’t assume. Whatever you do, don’t assume that your condo association has you covered. Do some research, get answers and get peace of mind.