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Protecting the People Who Run Your Company
Running a business means making tough decisions every day. If one decision—even a good‑faith one—triggers a lawsuit, the people at the top are often named first. That’s where Directors and Officers (D&O) Insurance steps in.
D&O Insurance protects company leaders, such as directors, officers, and executives, from personal financial losses if they’re sued for decisions made while managing the business. D&O is essential for organizations of all sizes, including small private companies, startups, nonprofits, and associations like HOAs.
Essential Coverage Details
D&O coverage typically begins at $1 million and can be increased in steps. Your premium is influenced by factors such as revenue, headcount, industry type, financial strength, governance/board makeup, and any prior claims history.
Pairing D&O with Other Key Policies
D&O Insurance is often bundled with Employment Practices Liability (ELP) Insurance, or purchased as a separate policy. D&O policies are almost always written to cover the entire group of individuals in leadership, rather than just one person.
How D&O Insurance Defends Your Team
Lawsuits can come from nearly any direction, including employees, customers, vendors, regulators, shareholders, donors, members, or creditors. D&O Insurance helps defend your leaders, covering attorney fees and court costs and, where allowed by law, settlements or judgments arising from allegations such as the following below.
Claims alleging wrongdoing related to the company's financial integrity, such as publishing misleading financial results, making false statements to the market, overstating the value of company assets (e.g., to secure a loan), or misuse/diversion of company funds for personal gain.
Lawsuits filed by investors or shareholders alleging a failure to establish and enforce basic internal controls (lack of corporate oversight) or a breach of trust (fiduciary duty) that directly resulted in significant financial damage or bankruptcy for the company.
The insurance defends directors sued by a competitor who alleges the company stole proprietary technology or trade secrets.
Defense against claims that the directors or officers failed to comply with laws, including lawsuits by employees alleging systemic discriminatory hiring or promotion practices.
Coverage for the defense of directors personally sued by a competitor for allegedly stealing proprietary technology or trade secrets.
Business Insurance Made Simple: Why Choose AIS
Your business is a major investment, and it deserves more than a standard, one-size-fits-all liability policy. At AIS Insurance, our experienced Business Insurance Specialists are driven by one goal: protecting your hard work and assets. We work quickly to understand the specific risks of your industry, allowing us to find and fix the dangerous gaps in coverage that leave businesses vulnerable, ensuring you get true financial peace of mind.
Stop settling for confusing policies. We make commercial insurance clear, fast, and highly effective. Call us today to speak with our experts who are ready to tailor a Directors & Officers Insurance policy to your needs.
Additional Insurance Coverages to Bundle
It would be great if you could save money on insuring your business and all of its assets under one roof. AIS is the insurance house that finds affordable coverage for a wide variety of businesses. We compare the best rates from multiple trusted carriers partners, so you know you’re getting the best protection for the best price.
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