Directors & Officers Liability Insurance
Directors and officers liability insurance, often called D&O, addresses certain claims alleging wrongful acts in the management of an organization. All Assured Solutions helps business owners and nonprofit leaders review protection for leadership decisions and the people who make them.
Who should review leadership liability
Private companies, nonprofits and other organizations can face allegations from investors, members, creditors or other parties. A review starts with your governance, ownership, funding and board responsibilities. General liability and professional liability address different exposures and should not be treated as substitutes for D&O.
Understand who and what is insured
We review the definition of an insured person, protection when the organization cannot indemnify a leader, reimbursement when it can, and any coverage for the organization itself. Defense costs, allocation, retentions and limits can affect the practical value of a policy. Exact protection depends on the form and endorsements.
Check timing, exclusions and related policies
D&O is commonly written on a claims-made basis. Review reporting requirements, prior or pending litigation provisions, continuity dates and available extended reporting options. Conduct, bodily injury, professional services and other exclusions deserve attention. Employment practices and fiduciary liability may need separate coverage or additional sections.
Prepare for a leadership risk assessment
Bring current D&O and related policies, governing documents, board information, financial statements, ownership details and claims history. Tell us about fundraising, acquisitions, major organizational changes and contractual requirements so the review addresses the decisions ahead.
Protect leadership with a practical review
We help you compare policy structure and limitations in plain language. A thoughtful D&O solution should work with the organization’s governance and broader insurance program, giving leaders a clearer view of their protection.
Related business protection
Start with a risk assessment
All Assured Solutions is a veteran-owned independent insurance and risk management agency serving Virginia, Maryland and Washington DC. We put your needs first and review how separate coverages work together.
Coverage, eligibility, availability and terms vary by carrier, policy and circumstances. This educational information is not a binder or guarantee of coverage. Review the policy and endorsements for exact terms.