Directors & Officers Liability

Directors & Officers (D&O) Liability insurance is no longer a “big company” product—it’s a critical layer of protection for small and low mid-market businesses as well. In today’s litigious and highly regulated environment, private company directors and officers face increasing scrutiny and legal exposure from shareholders, employees, customers, competitors, and regulators. D&O insurance is designed to protect the personal assets of a company’s leadership and the balance sheet of the organization itself in the event of allegations of mismanagement, breach of fiduciary duty, or other governance-related claims. We’re seeing more private companies facing lawsuits tied to mergers, financing decisions, regulatory compliance, and even ESG-related concerns.

For brokers, educating clients on the value of D&O coverage is a key opportunity to differentiate your expertise. Many small business owners assume this coverage is only needed if they have outside investors or go public—but that’s a costly misconception. A single lawsuit, even if baseless, can lead to tens or hundreds of thousands of dollars in legal fees, draining business capital and putting executives’ personal finances at risk. By proactively recommending D&O insurance, you’re helping your clients attract and retain qualified board members, secure investor confidence, and mitigate one of the most financially disruptive liabilities they may face.