Protect leadership from personal liability.

Directors & Officers insurance has become essential for any company with a board, executives, or management team—yet many business owners don't realize that corporate leaders can be held personally liable for management decisions. Whether you're a startup raising capital, an established company with outside directors, or a nonprofit with a volunteer board, understanding how D&O coverage works helps you attract qualified leadership and protect the personal assets of those who guide your organization.

At its core, D&O insurance covers claims alleging wrongful acts in the management of an organization. This includes claims of breach of fiduciary duty, mismanagement, failure to comply with regulations, misleading statements, and employment practices violations. What makes D&O unique is that it protects individuals personally—their homes, savings, and assets—when the corporate veil doesn't protect them. Policies typically include three coverage parts: Side A (direct coverage for individuals when the company can't indemnify), Side B (reimburses the company for indemnifying individuals), and Side C (covers the company itself for securities claims).

The key to getting the right coverage is understanding your organization's specific risks and the claims that could target your leadership. Public companies face securities class actions and shareholder derivative suits. Private companies face investor disputes, creditor claims in bankruptcy, and regulatory investigations. Nonprofits face donor lawsuits, regulatory compliance claims, and employment disputes. All organizations face claims from employees, regulators, and competitors. Ready to protect the leaders who guide your organization with coverage that shields their personal assets?