Directors and officers liability for claims against leadership decisions and management.
Directors and officers (D&O) insurance helps protect the personal assets of directors and officers when they are sued for alleged wrongful acts in managing the company—such as breach of duty, mismanagement, or decisions that led to financial loss for shareholders, employees, or others.
Corporations, nonprofits, and other organizations with a board or leadership team. Startups seeking investment and growing companies often need D&O to attract and protect directors.
Claims by shareholders, employees, competitors, or regulators alleging that directors or officers failed to act in the best interest of the organization or violated laws or duties. Defense costs and settlements, subject to policy terms.
Any company with a board or formal leadership; commonly used in tech, finance, nonprofits, and mid to large private companies.
Does it cover the company? — D&O typically covers individuals; entity coverage may be available or included depending on the form.
When do startups need it? — Often when they have outside directors, investors, or are scaling and face higher governance expectations.
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