Overview — ExecutivePerils, Inc. D&O Private
ExecutivePerils, Inc. offers the D&O Private program to help agents place management liability protection for private companies and their boards. This program is designed for closely held and privately held organizations that need defense and liability protection for directors, officers and certain corporate entities. As an appointed wholesale partner with access to more than 30 insurance companies, ExecutivePerils provides underwriting flexibility and tailored D&O structure options to fit a wide range of private-company profiles.
Ideal Accounts and Appetite
- Privately held corporations, LLCs and partnerships with formal boards or named executive officers
- Small to mid-market companies across industry sectors seeking management liability coverage
- Companies with prior management insurance may be eligible for extended reporting options
- Accounts with reasonable governance practices, documented HR policies, and no recent regulatory or D&O-related criminal exposures
Typical accounts that fit well include professional services firms, manufacturing and distribution businesses, technology companies, and private company subsidiaries. Accounts with complex public securities exposures or significant regulatory proceedings may require alternative markets.
Coverage Highlights and Advantages
The D&O Private program includes broad management liability features designed to address common exposures for private companies and their leadership:
- Unlimited Extended Reporting Period for former directors and officers
- Optional Fiduciary Liability Coverage — noted option available in the program (shown historically as starting at $100)
- Separate limit of liability for Employment Practices Liability (EPL) claims
- Named-peril coverage for employment claims arising out of internet and e-mail use
- Coverage for third-party sexual harassment and discrimination claims
- Expanded definition of sexual harassment to encompass broader workplace harassment allegations
These features make the program useful for agents seeking consolidated management liability solutions that include EPL and fiduciary options while preserving limits for employment-related exposures.
Underwriting Notes and Submission Tips
- Provide a current D&O/EPL application, the last three years of loss runs, and copies of governance documents (bylaws, operating agreement, or shareholder agreements) when available.
- Highlight positive governance practices — independent board members, written HR policies, and employment handbooks — to improve terms.
- Disclose any prior claims, regulatory inquiries, or employment litigation; these will be reviewed on a case-by-case basis.
- Retention and limit options are flexible; specific structure will depend on industry, revenue, and claims history.
Territories and Availability
This program is available for placements in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Appetite and specific terms may vary by state and carrier.
Why Work With ExecutivePerils, Inc. on D&O Private
- Access to multiple carriers — ExecutivePerils is appointed with over 30 markets, which helps place diverse risk profiles.
- Program flexibility — combined D&O, EPL, and optional fiduciary offerings make it easier to present a single solution for management exposures.
- Underwriting support for agents — practical submission guidance and emphasis on governance improvements to secure better terms.
- Clear coverage features such as unlimited extended reporting for former directors and separate EPL limits that protect organizational assets and individual leaders.
Example placement scenarios:
- You have a 50-employee private technology firm with a small board seeking D&O plus EPL coverage after a recent harassment investigation. The D&O Private program can be structured to provide separate EPL limits and expanded harassment definitions.
- You represent a closely held manufacturer transitioning leadership to a new executive team. The unlimited extended reporting period for former directors and officers can help manage legacy exposures after leadership changes.
Frequently Asked Questions
What types of accounts are a good fit for the D&O Private program?
Private companies with formal management teams, small to mid-market revenue profiles, and documented governance and HR practices typically fit well. Industries commonly placed include professional services, manufacturing, technology, and distribution.
Does the program include Employment Practices Liability (EPL) coverage?
Yes. The program provides EPL coverage with a separate limit of liability and includes named-peril coverage for claims arising from internet and e-mail use, plus third-party sexual harassment and discrimination coverage.
Is fiduciary liability available?
Optional fiduciary liability coverage is available through the program. The program notes an optional offering historically shown with entry-level pricing; actual availability and pricing depend on the carrier and the specific submission.
Need help placing an account? Connect with a market specialist.