The Hooker for Marin RFC described D&O Insurance as "Bad Business Decision" Insurance. Here's wikipedia's definition.
Would you want your personal assets on the line in case another Board Member or Officer of your Rugby Club made a bone-headed decision?
Yeah, I didn't think so.
If this is a concern with your organization, especially if you run multiple sides, and youth rugby program, give us a call: 800-605-5024