D&O: Protecting Your Top Brass


Shield your executives to keep your business running smoothly.
In California, there is a higher risk of shareholder lawsuits due to the state's stringent corporate governance laws, which place a strong emphasis on director and officer accountability. We have been writing D&O policies for businesses like yours since 1982, which means we have a deep understanding of the local market and regulatory landscape.

PEACE OF MIND
According to a study by Advisen, the average cost to defend a D&O lawsuit in California was $2.3 million in 2020, higher than the national average of $1.8 million. Carrying D&O insurance can provide peace of mind to directors and officers, knowing that they are protected from personal liability in the event of a lawsuit. This can help them make decisions with more confidence, knowing that they are protected from potential legal claims.

INSURANCE IS OUR PASSION
Our high retention and renewal rates in Southern California speak to the quality of our service and the trust that our clients place in us. Our team of experienced agents and underwriters has deep expertise in Directors and Officers insurance, and we are well-versed in the latest regulatory requirements and best practices for managing executive risk.

WIDE RANGE OF OPTIONS
As an independent agency, we have the freedom to work with a wide range of carriers and underwriters, giving us the flexibility to find the best coverage and rates for our clients. We also have strong relationships with the best underwriters in the business, which allows us to negotiate favorable terms and conditions on our clients' behalf.
Directors & Officers
Mismanagement claims
Employment practices lawsuits
Regulatory violations
Breach of duty
Breach of contract
Intellectual property disputes
Essential Knowledge for Business Owners

D&O 101

D&O insurance is designed to protect the personal assets of directors and officers in the event they are sued in connection with their duties to the company. It can cover legal fees, settlements, and judgments related to a wide range of claims, including breach of fiduciary duty, mismanagement, and other allegations of wrongful acts.
In California, D&O insurance is particularly important because the state has a strong legal framework for holding corporate officers and directors accountable for their actions. California law imposes high standards of conduct on officers and directors, and companies can face significant liability if they fail to meet these standards. Many California companies, particularly those that are publicly traded or have a board of directors, carry D&O insurance as a way to protect their executives and directors from lawsuits and other legal claims. However, even private companies can benefit from D&O insurance as they can still face claims from investors, customers, or other parties.
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Links & Resources
California Business Owners Guide
A simple yet thorough business crash course
Directors & Offficers INSURANCE

Forms & Downloads


D&O Application
An 8 page app to get quotes

Directors and Officers Articles

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