Directors & Officers (D&O) Insurance
D&O insurance protects directors and officers from personal liability for management decisions, lawsuits, and regulatory actions.
Directors & Officers Insurance for Growing Businesses
Leadership decisions can attract lawsuits from shareholders, employees, customers, or regulators. Directors and officers (D&O) insurance helps defend personal assets when claims target management conduct.
Remco Insurance Services places D&O programs for private companies, nonprofits, and growing firms nationwide.
What Is D&O Insurance?
D&O insurance reimburses directors and officers for covered defense costs, settlements, and judgments when they are sued for alleged wrongful acts in their roles. The policy may also indemnify the organization when it is permitted or required to advance defense costs.
Coverage is typically claims-made, meaning the policy in force when a claim is made responds, subject to retroactive dates and exclusions for known circumstances.
D&O Coverage Essentials
Protect leadership and the balance sheet.
Side A Coverage
Protects individual directors and officers when the company cannot indemnify them.
Side B Reimbursement
Reimburses the organization after it pays defense costs for insured persons.
Side C Entity Coverage
Covers securities claims against the company itself when included.
Regulatory Investigations
Defense costs for certain governmental inquiries.
Employment Practices
Some forms bundle limited EPL coverage; often EPL is separate.
Outside Directorship
May extend protection when insureds serve on other boards.
Why Organizations Buy D&O
Qualified leaders expect D&O protection before joining a board. Investors and lenders may require it as part of governance. Even private companies face employment and contractual disputes that implicate management.
We structure limits, retentions, and exclusions for your funding stage, industry, and transaction plans.
Frequently Asked Questions
Yes. Private firms face employment claims, creditor actions, and investor disputes. D&O helps attract and retain experienced directors.
Coverage applies when a claim is first made during the policy period, provided the wrongful act occurred after the retroactive date.
Most policies exclude uninsurable fines. Defense costs may still be covered for investigations, subject to terms.
Intentional fraud by an insured is generally excluded. Innocent directors may still have protection depending on conduct exclusions.
Limits depend on revenue, industry, investor requirements, and balance sheet size. We benchmark peer purchases and contractual demands.
Absolutely. Nonprofit boards face similar employment and governance claims and benefit from tailored nonprofit D&O forms.
Protect Your Leadership Team
Secure D&O coverage that supports governance, fundraising, and peace of mind for your board.
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