Spark Insurance
  • Email
  • Phone
    604 699 2259
  • Address
    Suite 1275 Two Bentall Centre
    555 Burrard Street Vancouver
    v7X 1M9



Facilitating, enhancing and promoting business in your community.


Canadian visual arts or fine craft organizations, museums, public art galleries.


Giving back to your community through fundraising and lobbying efforts.


Campus or community radio stations and newspapers.


If your organization doesn’t seem to quite fit, we’ll find a place for you.


You connect volunteers to opportunities that allow them to lend a hand.



Our customized insurance products are tailored to fit your organization. Whether it’s general liability, volunteer injury or anything in between, Spark can handle all of your nonprofit insurance needs. Spark leverages the group buying power of Canadian nonprofits and charities while utilizing new technology to help you achieve your business goals. That’s insurance done differently!

For too long service clubs have paid more because of inefficiencies in the system. We’re here to help them unite. We serve all your nonprofit and charity insurance needs in one place so you can get back to doing the great things you do.

Risk Management 101: Directors and Officers Insurance

Directors and Officers (D&O) have a duty to exercise due diligence in overseeing the activities of the business that they serve. They are required to act in good faith and in the best interest of the organization.

Legal Liability

Directors may be liable for:

• Failure to act as stated under a statute. For example, if a statute requires directors to file a report or maintain certain records, and these reports and records are not maintained, then the director may be liable for an offence under that statute.

• Non-compliance of the organization with a statute. For example, directors may be liable for mismanagement, financial losses, wrongful dismissal, employee discrimination or failure to remediate environmental damage.

It is also important to note that:

• Directors can be held personally liable.

• Ignorance is not a defense.

• Resignation is not necessarily a defense.

• Board indemnity may not be enough.

• Directors may be liable for nonperformance.

Nonprofits: Why Do I Need D&O Insurance?

D&Os of non-profit organizations are required to exercise the same degree of commitment, attention and care as directors of for-profit corporations. Nonprofit D&Os often ignore prudent business procedures under the mistaken belief that there is little, if any, exposure arising out of the mismanagement of a non-profit organization. This myth is apparently based upon the lack of profit oriented shareholders in the non-profit setting. Be careful, every nonprofit organization is operated for the benefit of some group of persons. Employees, creditors, customers, members, regulators, and others are all potential plaintiffs against D&Os of nonprofit organizations.

Avoid Personal Liability

D&O liability is designed to avoid personal risk by protecting you and your organization in the event of a lawsuit. When you give your time and energy to a non-profit or business, you want to be sure you’re not risking your personal financial security.

Directors have three basic duties:

  • 1 Duty of Diligence (Duty of Care) Act reasonably, in good faith, in the organization’s best interest.
  • 2 Duty of Loyalty Place the interest of the organization before your own.
  • 3 Duty of Obedience Act within the scope of the organization, within applicable rules and laws.