Our benefits
We provide a robust defense for your leadership team so they can focus on the big picture:
Directors & Officers (D&O)
Directors & Officers (D&O)
Leading a company comes with significant rewards, but it also carries immense personal risk. Directors & Officers (D&O) Liability Insurance is a specialized shield that protects the personal assets of corporate directors and officers. If they are sued for “wrongful acts” while managing the company—such as breach of duty, neglect, or misleading statements—this insurance ensures their personal savings, homes, and investments are not at risk.
Lead with courage and clarity, knowing your personal legacy is protected from the complexities of corporate litigation.
In today’s highly regulated environment, executives can be held personally liable for their decisions. Claims can come from shareholders, employees, regulators, or even competitors. Our D&O plans cover legal defense costs, settlements, and judgments, providing the financial backing needed to navigate high-stakes lawsuits. This isn’t just a safety net for the individual; it’s a critical tool for the company to attract and retain the high-caliber leadership it needs to succeed.
Does D&O insurance cover criminal acts?
No. Like most insurance, D&O does not cover intentional fraud, criminal activity, or illegal personal profiting. It is designed to cover "wrongful acts" committed in good faith.
Is this only for large, public corporations?
Actually, directors of private companies and non-profits are just as vulnerable to lawsuits from creditors, employees, or minority shareholders. Smaller entities often need this protection even more, as they lack the cash reserves to handle long legal battles.
What is the difference between Professional Indemnity and D&O?
Professional Indemnity (PI) covers the services or advice the company provides to clients. D&O covers the management decisions and actions of the people running the company.