Commercial Insurance
Leadership Deserves
Personal Protection
D&O insurance structured around your governance structure, ownership profile, and the specific litigation risks your leadership team faces.
Directors and officers face personal liability every day. We build programs that protect them — and attract the talent your company needs.
Our Process
Structure. Protect. Retain.
We review your D&O tower structure, Side A adequacy, and coverage terms against your ownership profile and the claims your industry faces.
Our advisors analyze your D&O program's limit adequacy, Side A coverage for individual directors, and the alignment of policy terms with your governance and shareholder structure — ensuring your leadership is genuinely protected.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- D&O tower and limit structure review
- Side A adequacy analysis
- Governance and shareholder risk assessment
- No obligation to proceed
D&O Program Analysis
Program Comparison
Current Program
$54,600
Optimized Structure
$61,600
Your D&O Proposal
Review your customized Directors & Officers coverage recommendations
D&O Coverage
Current Coverage
$5M ABC Structure
Annual Premium
$48,200
Proposed Coverage
$10M + Separate Side A
Annual Premium
$41,600
Why It Matters
Great leaders won't serve without personal protection.
Directors and officers face personal liability every day — for governance decisions, employment practices, and regulatory compliance. D&O insurance protects their personal assets and is often the deciding factor in recruiting and retaining quality leadership.
What We Cover
Three Sides of Protection
From personal asset protection to entity securities claims — every layer of your D&O program, properly structured.
Side A — Individual Coverage
Directly protects directors and officers when the company cannot indemnify them — covering personal assets against covered claims.
Coverage Includes
- Personal asset protection
- Coverage when company is insolvent
- Bankruptcy and insolvency scenarios
- Independent Side A DIC policies
Side B — Company Reimbursement
Reimburses the company when it indemnifies its directors and officers for covered claims and defense costs.
Coverage Includes
- Corporate indemnification reimbursement
- Defense cost advancement
- Settlement and judgment coverage
- Regulatory investigation costs
Side C — Entity Coverage
Covers the company itself for securities claims — protecting the entity when it is named alongside directors and officers in litigation.
Coverage Includes
- Securities fraud allegations
- Shareholder derivative suits
- SEC investigations
- Stock drop class actions
Employment Practices Liability
Covers claims by employees alleging wrongful employment acts — discrimination, harassment, retaliation, and wrongful termination.
Coverage Includes
- Discrimination and harassment claims
- Wrongful termination defense
- Retaliation allegations
- Third-party harassment claims
Who We Serve
Every Governed Organization
Public, private, and nonprofit organizations all face governance liability. We tailor D&O programs to each ownership and operational structure.
Private Companies
Private companies face increasing D&O litigation from investors, lenders, and vendors. Proper coverage protects owners and management from personal exposure.
Public Companies
Securities class actions and SEC investigations make robust D&O towers — including separate Side A — essential for publicly traded companies.
Nonprofits & Boards
Nonprofit directors and board members face the same legal exposure as corporate officers and need dedicated D&O coverage to fulfill their governance role.
Your leadership deserves coverage that protects them personally.
No obligation. Confidential review. Built around your governance structure.