In today’s increasingly litigious society, fiduciaries of retirement plans and employee welfare benefit plans can be held personally liable for a mistake in managing or operating the plan or a perceived breach of fiduciary duty. Specific to not-for-profit organizations, Chubb created ForeFront PortfolioSM For Not-for- Profit Organizations Fiduciary Liability Insurance specifically to address the unique exposures faced by plan fiduciaries.