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What Is Directors & Officers (D&O)?
Directors & Officers (D&O) insurance helps protect company leaders and the business when they are accused of management mistakes. It can help pay legal defense costs, settlements, and certain judgments tied to alleged wrongful acts.
What Does Directors & Officers (D&O) Cover?
D&O can cover claims alleging mismanagement, breach of fiduciary duty, misleading statements, or improper decisions. It commonly helps with attorney fees and claim-related costs for directors, officers, and sometimes the company.
Investor alleges misleading financial reporting
Employment-related claim tied to leadership decisions
Regulatory inquiry into governance practices
Key Features of Directors & Officers (D&O)
Protection for personal assets of leaders
When directors or officers are named individually, D&O can help keep legal costs from becoming a personal financial crisis, especially when the company cannot or does not indemnify them.
Defense costs can be the main event
Even a claim that goes nowhere can be expensive. D&O is built around paying for specialized legal defense, often starting early in the process, depending on how the policy defines a claim.
Flexible structure for different organizations
Policies can be tailored for private companies, nonprofits, and venture-backed firms, including options that address entity coverage, outside directorships, and how the policy responds when multiple parties are sued.
Directors & Officers (D&O) Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
