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.
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.
Our recent news
Latest news & articles.
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USDA Announces Livestock Insurance Program Enhancements for 2027
The USDA’s Risk Management Agency just announced a meaningful set of updates to three of its core livestock insurance programs — Livestock Risk Protection (LRP), Livestock Gross Margin (LGM), and Dairy Revenue Protection (DRP) — set to take effect for the 2027 crop year. For ranchers and livestock producers, this…
