FAQs

Bodily injury, property damage, and professional errors sit elsewhere, usually on general liability or professional liability. The exclusion that matters most in California is wage and hour, which is ...

The organization's finances and its governance, more than its size. Expect questions about revenue, assets, and whether the balance sheet shows stress, since insolvency is where personal claims concentrate. ...

Sometimes, through prior acts coverage, and it is not automatic. D&O is claims-made, so a policy responds to claims first made during its term. Whether it reaches back depends ...

D&O covers how the organization is run. Professional liability covers what it sells. A claim that a board approved a bad acquisition, misstated finances, breached a fiduciary duty, or ...

They are three different insureds inside one policy. Side A pays a director or officer directly when the company cannot indemnify them, which is the piece that protects personal ...

D&O insurance generally does not cover bodily injury, property damage, or professional errors and omissions. Those are usually addressed by General Liability Insurance and Professional Liability Insurance respectively. D&O ...

Not generally, but several activities carry their own requirement. An owner or operator of an underground storage tank must demonstrate financial responsibility under California law, and insurance is one ...

Sometimes, and only where it was genuinely unknown. Pre-existing conditions coverage exists on site pollution forms, but it turns on the retroactive date and on what the application disclosed. ...

Contain it, report it, and tell us before the regulator writes to you. California reporting duties can run to the regional water board, the local certified unified program agency, ...

There is no standard formula. The range is usually set by your operations and what is on or under the site, any regulatory or permit requirements that apply to ...