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D&O
(Directors and Officers Insurance)
D&O insurance protects corporate directors and officers from personal losses if they are sued for alleged wrongful acts while managing a company. This coverage has become essential in today's litigious environment, with 25% of private companies facing D&O claims annually.
Policies typically cover legal fees, settlements, and regulatory defense costs for claims related to employment practices, financial mismanagement, or breach of fiduciary duty. Premiums vary by company size and risk profile, ranging from $5,000 annually for small businesses to millions for large public corporations. D&O insurance is particularly crucial during events like M&A transactions or IPOs when leadership decisions face heightened scrutiny.
Policies typically cover legal fees, settlements, and regulatory defense costs for claims related to employment practices, financial mismanagement, or breach of fiduciary duty. Premiums vary by company size and risk profile, ranging from $5,000 annually for small businesses to millions for large public corporations. D&O insurance is particularly crucial during events like M&A transactions or IPOs when leadership decisions face heightened scrutiny.