Public Company Directors & Officers Insurance (D&O)
Are your clients protected with the right Directors & Officers (D&O) insurance? Whether you represent a public company, private business, or nonprofit,
Tennant Risk Services provides market access and underwriting expertise to place D&O coverage tailored to each client’s exposures.
Tennant Risk Services is a Managing General Agency and Excess & Surplus Lines Broker focused on D&O across a broad range of industries and organizational structures. We work with retail agents and brokers to secure competitive terms and quick turnaround from top-tier carriers. Coverage is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the risk and market.
Classes We Serve:
- Public companies
- Private companies
- Nonprofit organizations
- Associations & unions
- Companies preparing for IPOs
- Limited and other partnerships
- Trusts and trustees
Special Coverage Options:
- Side A Excess
- Individual directorship coverage
We routinely handle complex or challenging accounts, including:
- Accounts with adverse loss history
- Unique or layered financial structures
- Financially distressed companies
- Crowdfunding or pre-IPO ventures
- Recapitalizations and M&A exposures
- Public officials and quasi-governmental entities
- Reps & warranties liability considerations
Coverage Highlights:
- Access to multiple carrier markets for competitive terms
- Flexible limits, attachment points, and deductible options
- Separate limits available for specific exposures (e.g., Side A)
- Risk management support and loss-control guidance for insureds
Sample D&O Placements:
- Private Company – Specialty Equipment Rental: $1M Limit / $8,000 Premium
- Public Company – Biopharmaceutical Research: $5M Limit / $83,000 Premium
- Non-Profit – Recreational Association: $1M Limit / $1,000 Premium
- Private Company – Equipment Distributor: $5M Limit / $12,000 Premium
Territories & Market Access:
We can place D&O coverage in all 50 states and Washington, DC. Tennant has access to both admitted and non-admitted markets; the best option depends on the account’s profile, state requirements, and carrier appetites.
Underwriting Notes & Minimum Premiums:
Tennant works with multiple carriers, so minimum premiums and eligibility vary by market. Provide complete submission details—financials, current D&O program wording, loss run history, and a summary of any special exposures—to help us target the right markets and pricing quickly.
Typical Accounts That Fit This Program
- Public companies seeking primary or excess D&O capacity
- Private firms with growth, M&A, or recapitalization plans
- Startups and pre-IPO companies needing IPO-tailored solutions
- Nonprofits, associations, and trustees with fiduciary exposures
- Tough placements—prior losses, distressed balance sheets, or complex financial arrangements
Why Work with Tennant Risk Services?
Tennant supports retail brokers with specialty underwriting knowledge, broad market relationships, and responsive service. We prioritize efficient submissions, timely feedback, and practical placement strategies—especially for difficult or high-exposure D&O risks. Use Tennant to broaden your market access and improve terms for standard or complex D&O accounts.
For questions, submissions, or to discuss a client situation, please call or
email us. We look forward to working with you!
Frequently Asked Questions
What types of accounts are a good fit for this D&O program?
We work with public companies, private businesses, nonprofits, associations, trustees, and more—including tougher accounts such as financially distressed companies or those with prior losses.
Can Tennant Risk Services help with D&O coverage for startups or IPOs?
Yes. We offer solutions for startups, companies preparing for an IPO, and entities involved in crowdfunding or complex financial structures.
Which states is this D&O program available in?
This program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options depending on the carrier and the account.
Do you offer Side A D&O or individual director coverage?
Yes. We can place Side A Excess coverage and individual directorship coverage when appropriate for the client.
What is the minimum premium for this program?
Minimum premiums vary by carrier and account specifics. We work across multiple markets to identify competitive minimums for each submission.
Need help placing an account? Connect with a market specialist.