Directors & Officers Insurance

Protect your executives’ ability to lead - and their personal assets.


What is directors and officers insurance?

Directors and officers insurance (D&O) can cover your leadership’s defense costs and damages if they are named in lawsuits resulting directly from their decisions.


Who needs D&O insurance?

  • Private Companies

You may think that because you’re privately held or a family-run business, you’re not at risk. It’s time to think again. With exposures on the rise, any organization that has business relationships with customers and third-party suppliers is open to a lawsuit.


  • Nonprofit Organizations

Don’t wait for a lawsuit to happen — if you have an advisory board or committee, you run the same risks as private and public companies. And the mistake to go without directors and officers insurance can be costly and difficult to recover from.


  • Public Companies

If you have shareholders, you need directors and officers insurance. If shareholders feel misled by your leadership’s decisions, your company is at risk. With directors and officers Insurance, you give your leadership the peace of mind to act with confidence.

Coverage Feature

  • Personal Asset Protection

Protect your directors and officers with coverage for monetary judgments and settlements stemming from negligence or breach of duty, loyalty or care to the organization.


  • Claims Protection

Guard your organization’s leadership against costly civil, criminal, judicial, administrative, regulatory, or arbitration proceedings.


  • Workplace & Employment Protection

Directors and officers insurance protects leadership if they are held liable for breach of fiduciary duty, failure to exercise reasonable care and employment-related suits that allege harassment, discrimination or wrongful termination.


Common Claimants

  • Regulatory Bodies

Public authorities such as the US Department of Justice can investigate and press charges for misappropriation of grant funds.


  • Donors

Can make a claim for misrepresentation of monetary donations.


  • Clients and Customers

Can sue for misconduct and failure of your organization to deal with harmful behavior.


  • Suppliers and Third Parties

Can allege damages resulting from being promised business that never materializes.


  • Competitors

Can allege patent and trade secret infringement by a former employee who now works for your organization.


  • Employees

Can file suit if they experience discrimination, harassment or wrongful termination.


  • Shareholders

Can allege that leadership is not forthcoming in financial communications and misleads stockholders about the organization’s financial health.


  • Creditors

Can allege fraudulent misrepresentation if the organization is unable to repay its debt obligations.

© 2020 By CalPost Insurance