Archived Insight | May 16, 2018

D&O Liability Insurance: What You Need to Know

Our knowledgeable brokerage professionals will craft a policy plan suited to your unique needs and find the right coverage to protect your organization’s balance sheet as well as the personal assets of its leaders. 

Liability Insurance

How D&O liability insurance could save you from bankruptcy

Directors and Officers (D&O) liability insurance provides your organization’s leaders with the protection they need in an ever more litigious world. 
 
Whether you lead a public company answering to the demands of shareholders, a private company facing a competitor suit, a nonprofit with a small group of stakeholders or an employee benefit plan, your role entails navigating a complex maze of regulations and relationships that leaves you open to potentially devastating lawsuits.
 
Our insurance brokerage professionals will work with you to make sure you have the right D&O insurance policy in place to prevent litigation from wiping out your organization’s assets as well as your personal ones. 

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Our method for helping you pick the right D&O liability insurance policy

Just as your organization is one-of-a-kind, your D&O liability insurance policy should be tailored to your specific needs. Our consultants will work with you to figure out what policy is right for you by taking the following approach.

 

Assessing your risk

Today’s trends continue to show increased litigation against directors and officers by customers, competitors, regulators and stakeholders, impacting financial loss, loss of productivity and potential harm to brand and reputation.
 
Our team will review your current coverages for your operations to identify any gaps that could lead to claims, such as allegedly wrongful decisions related to your fiduciary and other responsibilities.
 
We’ll guide you through the process of creating a policy plan that reviews all of your related coverages and gives you the peace of mind without paying for unnecessary coverage.

Keeping you current

Just as your organization’s circumstances can change quickly, your D&O insurance coverage needs may also change. We’ll help you keep your strategy up to date with pre-renewal reviews.
 
Our early renewal process asks about any changes in your organization and provides clarity on changing underwriting concerns in the insurance marketplace, which can lead to newer coverage restrictions. 
 
That way your only concerns will be how to lead your organization and fulfill your responsibilities while still protecting your current board or attracting future board members.

Helping you make the tough calls

The importance of D&O liability insurance to safeguarding the financial health of your organization means you shouldn’t leave any aspect of it to chance. Our experts fully understand the D&O liability insurance market, and, among other things, they will help you determine:

  • The appropriate level of coverage limits your organization needs

  • Which policies from the different carriers provide the most comprehensive D&O coverage and which features best match your need

  • How to educate your organization on what claims your D&O insurance policy covers and what’s exempted

No organization should ever accept a “one-size-fits-all” approach to D&O insurance, and, with our help, you’ll never have to.

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This page is for informational purposes only and does not constitute legal, tax or investment advice. You are encouraged to discuss the issues raised here with your legal, tax and other advisors before determining how the issues apply to your specific situations.