Individual leaders
Board members and officers can be named personally. We review when the policy responds on their behalf.
Board & management protection
Protect the people making difficult decisions.
D&O coverage helps protect directors, officers, and the organization when leadership decisions lead to a claim.
What this covers
Protection for leadership and the organization.
The right policy starts with the details of how the organization works and what it needs to protect.
The organization
Entity coverage matters when the company or nonprofit is named alongside its leadership.
Claims-made details
Reporting rules, prior-acts dates, exclusions, and changes in control can decide whether a claim is covered.
Typically included
What a useful review should include.
We compare the parts together so a lower price does not hide a larger gap.
Insured-person definitionEntity coverageDefense costsPrior-acts dateEmployment-practices relationshipOutside board serviceInvestigationsChange-in-control termsNot sure? Ask us
Where policies fall short
Where coverage can fall short.
Most problems begin with an assumption that was never checked against the policy.
Leaders assumed to be protected
Indemnification and a liability policy are not the same. Both the people and the entity need to be reviewed.
Employment claims handled elsewhere
D&O and employment-practices policies can meet at the same allegation. Their limits and exclusions should fit together.
No review after ownership changes
A merger, sale, or new controlling interest can change how current and past decisions are insured.
Common questions
Questions clients ask first.
Straight answers before a decision is made.
Do private companies need D&O?
They can. Owners, competitors, employees, investors, customers, and regulators can all challenge management decisions.
Does D&O cover the company too?
Some forms include entity coverage and others limit it. We verify who is insured before comparing price.
Is employment liability included?
Coverage varies. We review D&O alongside employment-practices coverage so a claim does not fall between policies.
Our review
What we review with you.
Ownership structure
Board roster
Entity coverage
Employment-practices coverage
Prior claims
Contracts and investors
Transactions or fundraising
Policy dates
Let’s review d&o liability insurance together.
Bring the current plan or policy. We will explain what it does, identify gaps, and compare the options that fit.