Home
Business Insurance General Liability Business Owner's Policy Commercial Property Workers' Compensation Commercial Auto Professional Liability (E&O) Medical Malpractice Cyber Liability Commercial Umbrella / Excess Inland Marine (Tools & Equipment) Employment Practices Liability Builders Risk Liquor Liability Business Interruption Pollution Liability Ocean Marine Directors & Officers (D&O) Nonprofit Organization Insurance Surety Bonds Garagekeeper's Legal Liability
Industries Plumbers Electricians Roofers General Contractors Landscapers HVAC Contractors Doctors' Offices Dentists Home Healthcare Hospice Care Chiropractors Veterinary Clinics Restaurants Food Trucks Bars & Breweries Motels & Hotels Gas Stations & C-Stores Coffee Shops & Cafes Architects Accountants Law Firms Real Estate Agents Consultants IT & Tech Services Retail Stores Salons & Spas Auto Repair Shops Apartment Buildings Rental Property Childcare & Daycare Self-Storage Facilities Strip Malls Single-Tenant Buildings
Personal Insurance Auto Motorcycle & RV Boat / Jetski Collector Car Motor Home Homeowners Condo Rentals Manufactured & Mobile Home Umbrella Flood & Earthquake
Life Insurance Term Life Whole Life Universal Life Final Expense
FAQ About Get a quote
Text Us Get a Quote
Business Insurance

Directors & Officers Insurance (D&O)

Relevant to any business with a board, investors, or outside advisors, protecting individual board members' personal assets from claims arising out of business decisions.

Get a quote for Directors & Officers

What it covers

  • Legal defense costs for board members and officers named individually in a claim
  • Claims alleging mismanagement or breach of fiduciary duty
  • Coverage for both the company entity and individuals, depending on policy structure
  • Settlements or judgments arising from a covered management decision

What it doesn't cover

  • Fraud or intentional illegal acts
  • Bodily injury or property damage claims (that's General Liability)
  • Employment-related claims from staff (that's Employment Practices Liability)
  • Personal conduct unrelated to the individual's role at the company

Who needs this

Any business with a board of directors, outside investors, or advisory members, even unpaid ones, who could be named personally in a claim over a business decision.

From our horror stories

The Board Member Who Got Named Personally

A financial dispute inside a small company turns into a lawsuit naming board members individually, not just the business.

Read the full story →
Common questions

Directors & Officers FAQ

Do small or family businesses really need this?

Yes. D&O claims aren't limited to large public companies, and even unpaid advisory board members can be named personally in a dispute.

Does this only cover the company, or individuals too?

Both, depending on how the policy is structured. We'll walk through what makes sense for your board's specific setup.

What kind of decisions typically trigger a claim?

Financing decisions, expansion or contraction moves, and disputes between shareholders or partners are common triggers.

Related coverage