Protect Your Company and Management Team

Directors & Officers Insurance

Management Liability Insurance

Directors and Officers Insurance (D&O) policies offer liability coverage for company managers to protect them from claims which may arise from decisions and actions taken as part of their duties. Non-profits, private companies, and smaller publicly traded companies can benefit greatly from D&O insurance due to its broad, cost-effective coverage.

We offer a package of coverages designed to protect your company and the people leading it from a variety of common business risks.

Side A

  • Individual directors and officers
  • Non-indemnifiable claims
  • Claims made against D&O's for a wrongful act

Side B

  • Indemnifiable claims
  • Corporate risk transfer
  • Claims made against D&O's for a wrongful act

Side C

  • Company coverage
  • With the company, if any securities claim is first made against the company, the insurer pays on behalf of the company

D&O Insurance FAQ

During these increasingly litigious and volatile times, your company’s officers and board of directors may be targets of financially damaging lawsuits. D&O Insurance covers current, future and past directors, as well as non-executive directors, subsidiaries, and officers of a company.

This policy protects your corporate leaders from litigation related to misuses of company funds, misrepresentations of company assets, breach of fiduciary duty, non-compliance, and more.

Most importantly, this policy protects the personal assets of the company’s top management as well as company assets.

D&O insurance policies generally cover exposures relating to any actual or alleged error, misstatement, misleading statement, neglect, breach of duty, omission or act by the insured employee in their capacity as such. In other words, it can cover the cost of claims made against a company and its corporate decision-makers, including directors, officers, managers and board members, when sued (most traditionally by its shareholders) for failing to perform their duties.

  • Fraud
  • Intentional criminal acts
  • Illegal remuneration or personal profit
  • Claims made under a previous policy
  • Uninsurable fines and penalties


Just like any other business insurance, there are many different factors that will determine the cost of your management liability insurance, including the following:

  • What industry you’re in
  • How long you’ve been in business
  • Number of employees
  • Claims history


A typical D&O insurance policy designed for a privately held business may include three types of coverage:

Side A – This part covers directors, officers, and sometimes employees, for defense costs, settlement fees, or judgments if the company cannot indemnify them, such as if the company has declared bankruptcy.

Side B – This covers the company for directors’, officers’, and employees’ losses when the company does indemnify them.

Side C – Also called “entity coverage,” this financially protects the corporation in its own right. Entity coverage may reduce the limits available to protect the individual officers and directors.