D&O and Crime

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General Liability insurance does not protect your business against claims of professional negligence, or for failure to perform your professional duties. For this type of coverage, the business will need a separate Professional Liability policy.

Professional Liability Insurance protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.

The policy normally pays for any resulting judgments against you, including court costs, up to the coverage limits on your policy.

Directors & Officers Liability

Directors and officers liability coverage protects directors and officers against claims alleging negligence, errors and omissions, misstatements, misleading statements and misrepresentations.

Most organizations have a general liability policy that protects its directors and officers against negligent acts that result in bodily injury or property damage. However, general liability does not protect against alleged wrongful acts or omissions, including breach of duty, which do not result in bodily injury.

Directors and officers coverage protects your executives from potential lawsuits resulting from key decisions or management practices-lawsuits that may target their personal assets.

A Directors & Officers liability policy can provide the following:
Insured's include

• Directors
• Officers
• Committee Members
• Volunteers
• Trustees or Employees
• D&O Insurance can:
  • Defend Prior Acts
  • Defend Non-Monetary Damages
  • Provide Duty to Defend Coverage
  • Defend Libel, Slander & Defamation of Character
  • Defend Discrimination, Sexual Harassment and Wrongful Discharge

Crime coverage can extend to those who may have access to your companies funds:

• Employee Dishonesty
• Money & Securities
• Forgery & Depository

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