Tennant Risk Services
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Tennant Risk Services
Contact Us
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Private Company Directors & Officers Insurance (D&O)

Private Company Directors & Officers Insurance (D&O)
 
Do your clients have the right Private Company Directors & Officers (D&O) protection? Tennant Risk Services offers tailored D&O programs for private, public and non-profit organizations — backed by broad market access and underwriting expertise. We deliver competitive terms, fast turnaround, and placement options across admitted and excess & surplus markets so you can place difficult or high-exposure accounts with confidence.

Tennant Risk Services provides Private Company Directors & Officers Insurance (D&O) for a wide range of organizations. Tell us about your client and we will respond quickly with market options and competitive pricing. Our underwriting is focused on getting broad coverage at lower cost whenever appropriate for the risk.

Classes and target account types:
  • Private companies
  • Public companies
  • Non-profit entities
  • Associations & unions
  • Initial public offerings (IPOs)
  • Limited and other partnerships
  • Trusts & trustees
Special coverage provisions and optional modules:
  • Side A Excess (A-Side) coverage
  • Individual directorship coverage
  • Custom programs for groups or pooled arrangements
  • Ability to combine with EPL, Cyber, Fiduciary, Crime, Professional E&O where appropriate
 Tougher accounts? Put our D&O expertise to work. We routinely handle placement challenges such as:
  • Adverse loss experience
  • Unique or complex financial structures
  • Financially distressed entities and recapitalizations
  • Public officials and quasi-governmental entities
  • Reps & warranties-related exposures
Program highlights and advantages:
  • Minimum premiums as low as $750
  • Multiple markets — carrier placement varies by risk, size and territory
  • Wide variety of limit and deductible options; separate limits available
  • Risk management services and loss-control support
  • Flexible admitted and E&S solutions through our MGA and broker relationships
Representative D&O account examples agents place through this program:
  • Private company — specialty equipment rental: $1M limit, $8,000 premium (example placement).
  • Public company — biopharmaceutical research: $5M limit, $83,000 premium (example placement).
  • Non-profit — recreational association: $1M limit, $1,000 premium (example placement).
  • Private company — equipment distributor: $5M limit, $12,000 premium (example placement).

Underwriting notes and how to submit

Tennant Risk Services acts as a Managing General Agency and Excess & Surplus Lines broker with access to multiple carriers. Provide standard D&O submission materials (application, financials, corporate structure, prior loss runs and any IPO or transactional documents if applicable). Minimum premiums can start around $750; final pricing depends on exposure, limits, and attachment points.

Territories and availability

This D&O program is available in the following states: 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. Coverage placement and admitted vs. non-admitted options vary by state and carrier.

Why work with Tennant Risk Services on D&O

We focus on specialty D&O business and complicated placements — from IPO readiness to distressed transactions. Our strengths include broad market relationships, tailored program design (including Side A and individual directorship solutions), and underwriting that seeks to balance coverage breadth with competitive pricing. We support retail agents with expert guidance through placement and policy issuance.

For more information, to discuss a specific client challenge, or to submit an account, please call or email ([email protected]). We look forward to partnering with you.
Put our Directors & Officers Insurance (D&O) expertise to work for you!

Frequently Asked Questions

What types of accounts are a good fit for Tennant's Private Company D&O program?

Private and public companies, non-profits, associations, partnerships, trusts and IPO-bound firms are core targets. The program also handles tougher risks such as financially distressed entities, recapitalizations and organizations with adverse loss history.

Which coverages and policy features can I request through this program?

You can pursue primary and excess D&O limits, Side A excess, individual directorship coverage, and package placements that include EPL, Cyber, Fiduciary, Crime or Professional E&O where markets permit.

What submission materials does Tennant typically require?

Provide a completed application, recent financial statements, corporate structure details, prior loss runs and any IPO or transaction documentation. The underwriters will advise on additional items based on the account.

How are markets and admitted status determined?

Tennant places business with multiple carriers; admitted versus non-admitted placement depends on the state, carrier appetite and the client’s risk profile. Expect flexibility through our MGA and E&S broker channels.

Is there a minimum premium or small-account option?

Yes — minimum premiums can start around $750. Final premium depends on limits, deductible, exposure and carrier selection.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    Varies
  • Min Premium:
    750

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Tennant Risk Services has other insurance programs like Architects & Engineers Professional Liability (E&O) Insurance.