D&O Insurance

Are you ready to defend your board and executive leadership if they are alleged to have caused injury to a third party? Exorbitant legal fees can be compounded by investigative costs, pricey expert consultations and public relations expenses—sometimes running into the hundreds of thousands of dollars. Even large international companies have a hard time dealing with such allegations. What’s a small or midsize organization supposed to do?

Directors and officers insurance from our agency can help. D&O policies are not easy, off-the-shelf products. Your insurance broker has to really get to know your operations, structure and financial position along with your exposures in order to negotiate a suitable D&O liability insurance policy.

It Depends Whom You Want to Cover

D&O insurance has multiple “sides”, each protecting a different segment of your leadership:

Side A—insures the personal assets of directors and officers.
Side B—reimburses the business for its costs to indemnify executives alleged of wrongdoing.
Side C—insures the organization when it is named as a defendant in a liability claim.
Independent Director Insurance—covers independent directors if the organization can’t or won’t.

It’s possible you could need coverage for claims generated overseas. We can help you with that and will discuss with you possibilities for dealing with exclusions for dishonesty, punitive damages, and legal defense for directors and officers who are embroiled in allegations of personal wrongdoing loosely connected with your business. These are immensely complex matters, and you need the expertise our experience brings.

Licensed in all 50 states, our agency has been representing businesses in Southern California for more than 40 years and has dedicated specialists in directors and officers insurance on staff. We know litigation, we know negotiation, we know court decisions and plaintiff’s bar trends. And we know the value of smart timing, deep research and due diligence. When you work with us on your D&O protection, you work with the best. We’re up front with you on your vulnerabilities and discuss cost, risk and prevention in a straightforward, no-nonsense manner.

Nothing is more serious than financially protecting the organization you have worked so hard to build, and at our agency you will have a stalwart partner in that effort. Both nonprofit organizations and for-profit companies find effective, cost-conscious, comprehensive solutions through us.