Who we can help
A closer look at your exposure.
Private companies, non-profits, associations and other organizations with directors, officers or senior decision-makers.
Claims about governance, financial oversight or management conduct differ from allegations of professional negligence or physical injury. The insured parties, indemnification arrangements and policy structure matter.
What to discuss with your broker
Individual protection
Review how the policy addresses covered claims against directors and officers.
Company reimbursement
Consider the organization’s indemnification obligations and reimbursement protection.
Entity & employment exposures
Discuss any offered entity protection and whether employment-practices liability is separate or included.
Defence & policy conditions
Review defence-cost treatment, deductibles, exclusions, reporting deadlines and prior circumstances.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Ownership, board structure and subsidiaries
- Recent financial statements and any material changes
- Employment profile, litigation and known circumstances
- Existing management liability limits and renewal dates
A question worth asking
Is D&O the same as CGL or professional liability?
No. D&O addresses specified management-related allegations. CGL commonly addresses specified third-party injury or property damage, while professional liability addresses errors in professional services. Each policy’s wording governs.