Directors & Officers

Many do. Volunteer directors can still face personal claims, and D&O is often what makes strong candidates comfortable serving.

Both, depending on the claim and how the policy is structured. We can walk you through the pieces.

No. Private companies, startups, and nonprofits face management claims too, and their leaders often carry personal exposure.

D&O covers management and governance decisions. EPLI covers employment-related claims like wrongful termination and discrimination. Some programs combine them.

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 ...