Directors and Officers insurance

Protect the people that lead your organization.

When individuals serve in leadership roles — on a board, as an officer, or in an executive position — they can be held personally liable for the decisions they make on behalf of the organization. Directors & Officers insurance protects those individuals, and the organization itself, when a claim arises from how the business was led.

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What D&O Insurance Actually does

D&O Insurance Coverage.

A D&O policy covers personal losses for directors and officers who are sued as a result of their role in leading an organization. It can also reimburse the organization for legal fees and defense costs incurred on their behalf. Coverage applies to for-profit businesses and non-profits alike, and policies are typically purchased by the organization to cover its leadership as a group. Most policies exclude fraud and criminal activity.

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Protection for your organization's leaders

Leadership decisions carry real liability.

Claims against directors and officers can come from employees, shareholders, donors, regulators, or competitors — and they don't require wrongdoing to be costly. Employment practices, financial decisions, conflicts of interest, and failure to meet fiduciary duties are among the most common triggers. For non-profits and smaller organizations especially, D&O coverage is often overlooked until it's needed.

The Graybeal difference

Let's make sure your leadership is covered.

If your organization has a board or executive team, it's worth understanding what exposure they carry. Let's talk through your situation and make sure the right protection is in place.

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