·         Directors and Officers or all companies need Directors & Officers Insurance to protect their personal assets. They can be held personally liable for their business decisions and brought into a lawsuit as individuals.

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·         Small companies especially find it difficult to cope with the financial impact of unexpected and costly Directors & Officers (D&O), or Employment practices liability (EPLI) litigation without insurance.

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·         Private companies could see claims from their employees, customers, suppliers, competitors, lenders and/or shareholders.

·         EPLI Defense Costs outside the Limit of Liability for firms with up to 200 employees

·         Unlimited Extended Reporting Period for former Directors & Officers

·         Sexual Harassment.

·         Optional Third Party Discrimination if EPLI is purchased

·         Stand-alone D&O Liability option

·         Optional Fiduciary Liability Extension

·         Entity Coverage included automatically in D&O and EPL Coverage Parts

·         Full Prior Acts Coverage

·         Punitive Damages (where insurable by law).

·         Automatic Coverage for service on Non-Profit 501(C)(3) Boards

·         Spousal Extension

·         AM Best Rated A++ Carrier

Limits of Liability Available for Directors and Officers Insurance

·         Retentions starting at $5,000

·         D&O Limits available up to $5,000,000

·         EPLI Limits Available up to $5,000,000