Directors and Officers

Ideal Accounts and Appetite

• Private Companies: Closely held businesses across most industries.
• Not-for-Profit Organizations: Including charities, associations, and foundations.
• Public Entities: Select publicly traded companies (contact for underwriting review).
• Excess Coverage: Available for companies seeking additional layers of protection.

Coverage Highlights and Advantages

• Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles.
• Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis.
• Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment.
• Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants.

Underwriting Notes and Minimum Premiums

• Primary and excess options are available with flexible structuring.
• Separate limit towers and retentions can be applied for each coverage part.
• Coverage is non-cancellable except for non-payment of premium.
• Capacity limits up to $10 million are available.
• Primary coverage suitable for entities with revenues up to $750 million.
• Excess coverage available with no revenue threshold.
• All classes considered except financial institutions.
• Minimum premiums vary depending on risk characteristics.

Territories and Availability

• Available in all 50 states and Washington, DC.
• Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile.

Why Work With Continental Risk

• Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers.
• They offer tailored solutions for complex management liability exposures across various industries.
• Their underwriting team understands the nuanced needs of both non-profit and corporate clients.
• Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks.

Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts.