Commercial Insurance
Directors & officers liability for the people who lead
Leadership decisions carry personal and organizational risk. As your risk advisor, we map your board's management-liability exposure first — then put D&O in place to protect directors, officers, and the company against claims arising from those decisions.
What is directors & officers (D&O) insurance?
Directors & officers liability insurance helps protect a company’s leaders — and often the organization itself — against claims alleging wrongful acts in their management of the business. That can include claims from investors, employees, regulators, creditors, competitors, and other third parties.
D&O is not just for large public companies. Privately held businesses, startups with investors, and nonprofit boards all face management-liability exposure that general liability does not address.
D&O can help respond to claims involving
- Breach of fiduciary duty
- Mismanagement allegations
- Regulatory & compliance actions
- Shareholder or investor disputes
- Creditor claims
- Employment-related management claims
- Misrepresentation allegations
- Defense costs for covered claims
D&O FAQs
Who needs directors & officers insurance?
Any organization with directors, officers, investors, or a board — including private companies, startups, and nonprofits. If individuals make decisions on behalf of the organization, their personal assets and the company can be exposed to management-liability claims.
How is D&O different from general liability or E&O?
General liability covers bodily injury and property damage; E&O covers professional services. D&O covers wrongful acts in managing and governing the organization — decisions by directors and officers. Many businesses carry all three for different exposures.
Does D&O cover employment claims?
Some management-level employment claims may fall under D&O, but employment practices liability insurance (EPLI) is the dedicated coverage for wrongful termination, discrimination, and harassment claims. We help structure both so they work together.
D&O built tough. Covered right.
Protect your leadership and your organization. Request a directors & officers review today.