Insurance
Directors & Officers
Personal protection for the people making the calls.
People tend to assume D&O is a public company product. In practice, private companies and nonprofits get claims from shareholders, investors, creditors, regulators and employees, and those claims attach to individuals personally. They reach personal assets.
How the cover is structured matters a great deal. Side A protects individuals where the company can’t indemnify them, which is exactly the insolvency situation where personal exposure is at its highest. We place cover with an eye on that structure, and on the exclusions that hollow out weaker policies.
What you get
Personal assets protected
Cover that attaches to individuals, not just to the entity.
Side A structured
Protection where the company can’t indemnify. That’s the insolvency case.
Nonprofit boards
Volunteer directors carry real exposure, and usually assume they don’t.
Exclusions read
Insured-versus-insured and conduct exclusions read before anyone binds anything.
Directors & Officers
Let's talk about directors & officers.
D&O cover protecting directors and officers personally against claims arising from management decisions. It matters for private companies and nonprofits, not just public ones.