At Irwin Siegel Agency we offer a flexible Directors & Officers (D&O) and Employment Practices Liability (EPLI) program designed for both nonprofit and for-profit organizations. This program protects boards, individual directors and officers, and eligible employees from claims brought by donors, employees, clients, regulators, or third parties arising from alleged wrongful acts, employment practices, fiduciary errors, or management decisions. Our placement options include admitted and non-admitted paper with access to multiple national carriers to meet a wide range of risk profiles.
Overview — Irwin Siegel Agency D&O / EPLI Program
Irwin Siegel Agency acts as a program administrator to deliver D&O and EPLI solutions that fit small and mid-sized private companies, nonprofit boards, trade and professional associations, and similar organizations. The program is structured to give agents flexible placement options, separate limits for management and employment liabilities, and a choice of admitted or non-admitted carriers depending on the account and jurisdiction.
Ideal Accounts and Appetite
- Nonprofit organizations, membership associations, and human/social service entities
- Privately held companies and professional firms with board governance exposures
- Organizations seeking separate D&O and EPLI capacity or low retentions
- Accounts that can benefit from risk management support and outside directorship coverage
While the program is broad in scope, agents should consult underwriting for publicly traded entities, large public companies, or complex financial institutions — these may require specialized markets.
Coverage Advantages
- Separate limits for D&O and EPLI help protect aggregate capacity.
- Defense costs outside the limit on many programs reduces erosion of limits.
- Prior-acts options help cover historical exposure for organizations with clean loss runs.
- Available fiduciary liability and outside directorship coverage provide one-stop capability for typical executive exposures.
- Access to admitted and surplus lines carriers gives placement flexibility by state and appetite.
Underwriting Notes and Minimum Premiums
Underwriting considers governance practices, claims history, payroll size, revenue, industry, and management stability. Typical submission items include an application, current D&O/EPLI loss runs, bylaws or governance documents (for nonprofits), and HR/employment practices information. Minimum premium varies by carrier, line, and state — please refer to the carrier guidelines or contact underwriting for state-specific minimums.
Territories and Availability
This program is available in the following states and territories: 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. Placement may be admitted or non-admitted depending on state rules and carrier appetite.
Why Work With Irwin Siegel Agency on D&O / EPLI
- Program administrator with direct access to national carriers and specialized markets.
- Flexible admitted and surplus options help you place difficult or cross-jurisdictional risks.
- Seamless bundling of D&O, EPLI, and fiduciary products where needed.
- Risk management resources and a helpline that can reduce frequency and severity of employment exposures.
- Responsive underwriting and placement support aimed at getting decisions quickly for small and mid-sized accounts.
Frequently Asked Questions
What types of accounts are a good fit for this D&O/EPLI program?
Private companies, nonprofit boards, associations, and similar entities that need separate D&O and EPLI limits, low retentions, or access to admitted and surplus markets are a strong fit. Agents should submit organizations with clear governance and standard HR practices for best results.
Which carriers and placement options are available?
Irwin Siegel Agency can place this program with markets including USLI, Devon Park, Westchester/CHUBB, and Berkshire Hathaway Specialty. Both admitted and non-admitted paper are used depending on state and account characteristics.
What submission materials will underwriters typically request?
Expect to provide a completed application, recent loss runs for D&O/EPLI, financials or revenue information, documents that describe board governance (for nonprofits), and details about HR policies and any past employment claims.
Are prior acts (retroactive date) and fiduciary liability available?
Yes. Prior acts coverage is available subject to underwriting, and fiduciary liability can be added where appropriate. Availability depends on carrier selection and the insured’s loss history.
How are minimum premiums handled?
Minimum premiums vary by carrier, state, and coverage package. Contact Irwin Siegel Agency underwriting for state-specific minimums and quoting thresholds.
Need help placing an account? Connect with a market specialist.