Directors & Officers Liability Insurance

Protects company directors, officers, and their personal assets from lawsuits alleging wrongful acts in their management of the company.

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Personal Protection for Corporate Leaders

Personal Asset Protection

D&O insurance protects the personal assets of directors and officers when they are personally sued for alleged wrongful acts in managing the company.

Corporate Governance Defense

Covers legal defense costs, settlements, and judgments arising from claims of mismanagement, breach of fiduciary duty, or other alleged wrongful acts.

Recruitment & Retention Tool

Quality D&O coverage is essential for attracting and retaining qualified directors and officers who understand their personal exposure.

What D&O Insurance Covers

Legal Defense Costs

Covers attorney fees, court costs, expert witness fees, and other litigation expenses for covered claims, regardless of the outcome.

Employment Practices Liability

Often included or available as endorsement for claims of wrongful termination, discrimination, harassment, or other employment-related claims.

Settlements & Judgments

Pays settlements or court-awarded damages up to policy limits for covered claims against directors and officers.

Entity Coverage

Extends protection to the company itself for securities claims or when the company is named alongside individual directors and officers.

Investigations & Regulatory Proceedings

Provides defense costs for SEC investigations, regulatory inquiries, and other official proceedings against directors and officers.

Pre-Claim Advancements

Provides immediate access to defense counsel and payment of legal costs as they are incurred, not just after case resolution.

Common D&O Claim Scenarios

Shareholder Lawsuits

Allegations of mismanagement, failure to disclose material information, or decisions that harmed shareholder value, often following stock price drops.

Employment Practices Liability

SEC, DOJ, or other regulatory actions alleging violations of securities laws, accounting irregularities, or other regulatory non-compliance.

Breach of Fiduciary Duty

Claims that directors/officers failed to act in the company’s best interest, engaged in self-dealing, or prioritized personal gain over company welfare.

Employment Practices Claims

Wrongful termination, discrimination, harassment, or retaliation claims brought by employees against company leadership.

M&A Disputes

Lawsuits alleging directors failed to obtain maximum value in mergers or acquisitions, or improperly favored one bidder over others.

Creditor Claims

When companies face financial difficulties, creditors may sue directors for allegedly failing to protect creditor interests or improper financial management.

Who Needs D&O Insurance?

Public Companies

Required for SEC compliance, shareholder protection, and to attract qualified board members in highly regulated environments.

Private Companies

Essential for protecting founders, investors, and directors from claims by employees, vendors, competitors, or government agencies.

Non-Profit Organizations

Directors and officers of non-profits face similar risks and need protection from claims by donors, beneficiaries, or regulators.

Start-ups & Growth Companies

Critical for attracting investors, protecting founders, and covering risks during fundraising, rapid growth, or exit events

Protect Your Company’s Leadership Team

Don’t leave your directors and officers personally exposed. Secure comprehensive D&O liability protection today to attract top talent and enable confident decision-making.

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