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
