Directors and Officers (D&O) insurance is a specialized liability policy that provides coverage for the directors and officers of a company in the event they are personally sued for decisions made while managing the business. This insurance protects individuals from financial loss due to allegations of mismanagement, breaches of fiduciary duty, errors, or omissions in their roles. D&O insurance typically covers legal defense costs, settlements, and judgments arising from claims related to corporate governance issues, regulatory investigations, or shareholder disputes. This type of coverage is essential for businesses of all sizes, as it helps attract and retain top executives while shielding them from personal financial risk tied to their professional actions.
Why It Matters: Without D&O insurance, directors and officers could face personal liability for claims that can cost millions in legal fees and settlements.
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D&O policies are typically broken into three parts; side A coverage: protects directors and officers when the company cannot indemnify them; side B coverage: reimburses the company when it covers its directors’ or officers’ claims; and side C coverage (Entity Coverage): protects the company itself against claims.
Customizable Options: Policies can be tailored to fit your business’s specific needs and budget.
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