https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/directors-and-officers/
Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures.
The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans.
Ideal Accounts and Appetite
Private Companies: Closely held businesses across most industries.
Not-for-Profit Organizations: Including charities, associations, and foundations.
Public Entities: Select publicly traded companies (contact for underwriting review).
Excess Coverage: Available for companies seeking additional layers of protection.
Coverage Highlights and Advantages
Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles.
Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis.
Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment.
Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants.
Underwriting Notes and Minimum Premiums
Primary and excess options are available with flexible structuring.
Separate limit towers and retentions can be applied for each coverage part.
Coverage is non-cancellable except for non-payment of premium.
Capacity limits up to $10 million are available.
Primary coverage suitable for entities with revenues up to $750 million.
Excess coverage available with no revenue threshold.
All classes considered except financial institutions.
Minimum premiums vary depending on risk characteristics.
Territories and Availability
Available in all 50 states and Washington, DC.
Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile.
Why Work With Continental Risk
Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers.
They offer tailored solutions for complex management liability exposures across various industries.
Their underwriting team understands the nuanced needs of both non-profit and corporate clients.
Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks.
Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts.
Frequently Asked Questions
What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage.
Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment.
Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state.
What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part.
Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements.
Need help placing an account? Connect with a market specialist.
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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.
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