Directors & Officers (D&O) Liability Insurance

Have you thought about purchasing Directors & Officers (D&O) insurance, but decided that maybe you didn’t really need it? Well, because we live in such a litigious environment, you should seriously consider it. D&O insurance provides coverage directly to the directors and officers of your company in situations where your business may be unable to offer personal protection to these individuals. And whether your company is a public, private or a nonprofit entity, directors and officers can be sued as a result of their actions or failure to act in carrying out their duties.

Insurance Industry Definition: 

Protects officers and directors of a corporation against damages from claims resulting from negligent or wrongful acts in the course of their duties. Also covers the corporation (and even the officers and directors in some cases) for expenses incurred in defending lawsuits arising from alleged wrongful acts of officers or directors. These policies always require the insured to retain part of the risk uninsured.

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