Protecting the Decision Makers.

Directors & Officers (D&O) insurance protects the personal assets of your board members and executives from lawsuits alleging wrongful management decisions.

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Leadership Carries Personal Risk

Many executives assume the company will always cover their legal bills. But if the company becomes insolvent or is legally barred from indemnifying you, your personal bank account, home, and assets are at risk.

Directors & Officers (D&O) insurance is designed to protect the individuals running the company. It covers defense costs and settlements arising from lawsuits brought by shareholders, competitors, investors, or regulators alleging "wrongful acts."

Without this coverage, it is difficult to attract high-quality board members or secure venture capital funding.

Who Needs D&O?

It is not just for public companies. We specialize in:

Non-Profits: Volunteer boards face high liability regarding misuse of funds or employment issues.
Private Companies: sued by competitors or vendors.
Startups: Investors often require D&O before funding.
HOAs / Condo Associations: Boards making property decisions.

What D&O Protects You From

Breach of Fiduciary Duty

The most common allegation. Shareholders or stakeholders claim you did not act in the company's best interest, failed to exercise due care, or made negligent financial decisions.

Poor Investment Decisions
Conflict of Interest
Failure to Supervise

Misuse of Funds

Critical for Non-Profits and Startups. Allegations that grant money, donations, or investment capital were used improperly or that the board failed to maintain financial stability.

Bankruptcy Creditor Suits
Misallocation of Grants
Inaccurate Financial Reporting

Regulatory Actions

Defense costs for investigations by government bodies (like the SEC, DOL, or state regulators) into the company's management practices or compliance failures.

Anti-Trust Violations
Regulatory Fines
Compliance Failures

The "Side A" Safety Net

A standard D&O policy is structured in three parts (Sides A, B, and C). Side A is the most critical for you personally.

Side B reimburses the company when it indemnifies you.
Side C protects the company entity itself.

But what happens if the company goes bankrupt or is legally forbidden from paying your legal bills? Side A steps in. It pays your defense costs directly, ensuring you don't have to sell your personal assets to fight a corporate lawsuit.

✔ Investor Requirement: VCs will rarely invest without this policy in place to protect their board seats.
✔ Talent Acquisition: Experienced executives will check for D&O before joining your board.
✔ Personal Asset Protection: The ultimate shield for your home and savings.

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Common D&O Questions

Do Non-Profits really need this?

Yes. Non-profits actually face *more* frequency of claims than private companies (often regarding employment issues or misuse of grant funds). Donors and volunteers can sue the board.

Is D&O the same as E&O?

No. E&O covers the *services* you provide to clients (mistakes in work). D&O covers the *management decisions* of the company (financials, strategy, operations).

Does D&O cover harassment?

Standard D&O excludes bodily injury and property damage. However, most private company D&O policies include EPLI (Employment Practices Liability), which covers harassment, discrimination, and wrongful termination suits.

How much does it cost?

Premiums for small private companies or non-profits can be surprisingly affordable, often starting around $1,000–$2,000 annually, depending on assets and financial health.