Products
D&O / Management liability
Directors & Officers
Directors and officers insurance, or D&O, is reviewed when leadership, investors, boards, or governance decisions create management-liability exposure.
Coverage
What it usually handles
- 01Claims involving management decisions, governance, investors, or executives.
- 02Board, funding, debt, employment, and stakeholder-related questions.
- 03Management liability programs that may also include EPLI or fiduciary coverage.
Triggers
When it comes up
- 01You have outside investors, a formal board, or debt covenants.
- 02A financing or customer contract asks for management liability.
- 03Executives want protection for governance and leadership decisions.
Quote file
Inputs carriers usually need
- 01Ownership, funding stage, board structure, revenue, and headcount.
- 02Prior claims, cap table, debt, layoffs, and investor or lender requirements.
- 03Whether EPLI, fiduciary, or crime coverage should be reviewed too.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.