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Directors and officers liability insurance.

If you would like to understand D&O a little bit better, this is an excellent place to begin. Below you’ll find a list of posts written on a broad range of related topics. They aim to introduce the reader to core concepts and tackle the most frequently asked questions.

General knowledge

  • What is D&O insurance?
  • Who is covered by D&O insurance?
  • What is covered by D&O insurance? An overview
  • What is not covered by D&O insurance
  • Does D&O insurance cover the entity?
  • Who needs D&O insurance?
  • 11 reasons why every organisation needs D&O insurance
  • Employment practices liability: Protecting an organisation from disgruntled employees
  • Entity securities coverage: Protecting public companies from shareholder litigation

Managerial liability

  • Who are directors and officers and what do they do?
  • The responsibilities of management
  • What are the real implications of personal liability?
  • Protecting directors and officers with indemnification and insurance
  • Where do claims come from? Part 1: External sources
  • Where do claims come from? Part 2: Internal sources
  • 8 common sources of claims against directors and officers
  • What is a wrongful act?

Technical concepts

  • How is a D&O policy structured?
  • How do D&O insuring agreements operate?
  • Improving the scope of a policy with coverage extensions
  • What’s excluded from D&O coverage?
  • The conditions applying to D&O coverage
  • Understanding the 3 conditions of retrospective D&O coverage
  • Run-off coverage: What is it and when do you need it?

Limits and deductibles

  • Understanding the limit of liability and structuring one adequate for your needs
  • How to select an adequate limit of liability
  • Self-insured retention: Managing an organisation’s exposure to risk
  • The role and reasoning behind self-insured retention

Application and underwriting

  • Where can an organisation purchase D&O insurance?
  • Applying for D&O insurance
  • Utmost good faith: The basis of all insurance contracts
  • What do underwriters consider when setting the terms of coverage
  • 9 criteria used by underwriters to measure D&O risk

Claims handling

  • Reporting claims and circumstances to insurers

Historical context

  •  A short history of D&O insurance

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