Directors & Officers Insurance Program from J.M. Wilson Corp.
J.M. Wilson Corp. offers a flexible, competitive Directors and Officers (D&O) Insurance program that helps protect the personal assets of directors and officers at private companies. As a Managing General Agency and Excess & Surplus Lines broker with access to admitted and non-admitted carriers, J.M. Wilson provides solutions agents and brokers can use to place essential executive liability coverage for their clients.
Ideal Accounts and Appetite
The program is designed for a broad range of private companies—especially small to mid-sized firms that may lack in-house risk management. Typical fits include:
- Private companies with up to 200 employees
- Accounts seeking standalone D&O or combined D&O and EPLI
- Companies exposed to claims from employees, customers, vendors, competitors, lenders, or shareholders
Example scenarios: you might have a client that recently expanded its executive team or secured outside funding and now needs protection for management decisions; or a small firm experiencing increased employment-related exposures that requires EPLI alongside D&O coverage.
Coverage Highlights and Advantages
J.M. Wilson’s D&O program includes built-in features and optional extensions that address common executive liability exposures:
- Separate D&O and EPLI liability limits
- EPLI defense costs outside the limit of liability (for firms with up to 200 employees)
- Unlimited extended reporting period for former directors and officers
- Coverage for sexual harassment and optional third-party discrimination (when EPLI is purchased)
- Stand-alone D&O liability option
- Optional fiduciary liability extension
- Entity coverage automatically included under D&O and EPLI parts
- Full prior acts coverage
- Punitive damages coverage where insurable by law
- Automatic coverage for service on Non-Profit 501(c)(3) boards
- Spousal extension
- Access to AM Best A++ rated carrier options
Underwriting Notes and Minimum Premiums
The program offers flexible limits and retention choices to match different company sizes and risk profiles. Typical parameters include:
- Retention starting at $5,000
- D&O limits available up to $5,000,000
- EPLI limits available up to $5,000,000
- $2,500 minimum premium
Underwriting consideration focuses on company size, financial stability, claims history, corporate governance, and employment practices. Higher-risk industries or organizations with significant shareholder litigation exposure may require referral to specialty markets.
Territories and Availability
This D&O program is available to licensed agents and brokers in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Why Work With J.M. Wilson Corp.
J.M. Wilson combines MGA underwriting expertise with E&S broker capabilities and strong carrier relationships. That mix gives agents access to admitted and non-admitted markets, flexible program design, and responsive service. Their underwriting insight helps place complex D&O and EPLI risks efficiently while tailoring terms to each client’s profile.
Frequently Asked Questions
What types of accounts are a good fit for this Directors and Officers program?
This program is ideal for private companies—particularly small to mid-sized firms with up to 200 employees—that need protection for their executives and the entity against management liability claims.
Can I write EPLI coverage without D&O, or vice versa?
Yes. The program offers separate D&O and EPLI limits, and it also allows a stand-alone D&O liability option.
Are nonprofits eligible for this program?
Yes. The program automatically includes coverage for service on 501(c)(3) nonprofit boards, which can be a useful benefit for directors involved with charitable organizations.
What limits and retentions are available?
D&O and EPLI limits are available up to $5,000,000, with retentions starting as low as $5,000; final terms depend on the risk profile and underwriting review.
In which states is this program available?
This D&O program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
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