Directors and Officers Liability Insurance helps cover claims alleging wrongful acts by company directors and officers, protecting personal assets and supporting your organization against management related losses.
Every D&O Liability Insurance policy is rooted in the same principle — coverage that steps in when everyday driving risks turn into costly claims.
Every Cyber Liability Insurance policy is rooted in the same principle — coverage that steps in when everyday driving risks turn into costly claims.
$1,000,000+
Side A Coverage
$1,000,000+
Side B Coverage
$1,000,000+
Side C Coverage
$1,000,000+
Entity Liability Coverage
$1,000,000+
Extended Reporting Coverage
$1,000,000+
Run off Or Tail Coverage
Side A Coverage
Protects individual directors and officers when the company cannot indemnify them, such as during insolvency or where indemnification is legally prohibited.
Side B Coverage
Reimburses the company for amounts it pays to indemnify directors and officers for covered claims.
Side C Coverage
Protects the company itself for certain securities claims; coverage scope depends on whether the policy covers public, private, or nonprofit entities.
Entity Liability Coverage
Protects individual directors and officers when the company cannot indemnify them, such as during insolvency or where indemnification is legally prohibited.
Outside Directorship Liability
Reimburses the company for amounts it pays to indemnify directors and officers for covered claims.
Regulatory Investigation Coverage
May cover defense costs for certain formal investigations, subject to policy wording and exclusions.
Crisis Or Reputational Response Coverage
May fund public-relations consultants and related services after a covered management-liability event.
Discovery Or Extended Reporting Coverage
Allows claims to be reported after policy expiration for covered wrongful acts occurring during the policy period, when purchased or triggered under the policy.
Run-off Or Tail Coverage
Protects former directors and officers after a merger, acquisition, dissolution, or change in control, subject to the policy terms.
Annual premiums start from $1,000. Higher limits are available depending on risk profile.
Common endorsements
& optional coverages
Standard D&O Liability policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.
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Employment Practices Liability (EPLI)
May cover claims involving wrongful termination, discrimination, harassment, retaliation, or other employment-related misconduct, typically as a separate coverage or endorsement.
Entity Coverage Expansion
Broadens protection for claims brought against the company itself, particularly for private or nonprofit organizations.
Broader Securities Coverage
Expands securities-related protection for private companies or includes additional types of securities claims.
Fiduciary Liability
Covers claims involving administration or management of employee benefit plans.
Crime or Employee Dishonesty
May cover fraud, theft, embezzlement, forgery, or related financial misconduct, usually under a separate crime policy or endorsement.
Spousal or Domestic Partner Liability
Extends certain protections to spouses or domestic partners when claims target the insured person’s assets.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Company Size And Revenue
Larger organizations typically face greater claim frequency and larger potential settlements.
Ownership And Listing Status
Public companies often pay more because of securities litigation exposure.
Claims History
Past claims signal future risk, often raising premiums for businesses with frequent losses.
Coverage Limits
Higher liability limits and lower deductibles increase your policy's overall annual premium cost.
