Search CompleteMarkets

Overview — Smith Bell & Thompson, Inc. Directors & Officers Liability Smith Bell & Thompson, Inc. offers a Directors & Officers Liability program designed for health care organizations — both non-profit and for-profit — and other allied classes where entity and management liability exposures are present. This program provides entity coverage for the named organization and side A/B/C protections for directors, officers and employees, with capacity placed through AIG. It is intended as a practical market for agents who need broad D&O protection with flexible underwriting for national program classes. Ideal accounts and appetite Health care providers and networks, including home care and community health organizations (both nonprofit and for-profit). Trade and membership associations, and other program-style organizations that require entity coverage and management protection. Organizations with defined governance structures and standard financial controls; preferred accounts have documented risk management and claims histories that are manageable. Special consideration and pricing available for National Association for Home Care (NAHC) members. Coverage highlights and advantages Entity coverage included — policy can cover the organization itself as well as individual directors, officers and employees. Broad definition of employment practices (EPLI) claims is available, helping address wrongful termination, discrimination and similar employment exposures. Access to AIG capacity gives broad industry recognition and claims handling experience for complex management liability matters. Program-oriented underwriting that understands multi-entity structures common in health care and association accounts. Underwriting notes and typical restrictions Underwriters look for clear governance, reasonable internal controls, and documented employment practices. Accounts with ongoing regulatory investigations, multiple recent management liability losses, or severe financial distress should be submitted with full explanation and may be declined or subject to restrictive terms. When you submit, include the organization’s bylaws, most recent financial statement, claims history (D&O/EPLI), and any employment policies. These items speed placement and improve the chance of competitive terms. Example scenarios — when to use this program You have a midsize home care agency that recently expanded into multiple states and wants entity-level D&O protection plus EPL coverage for its management team. NAHC membership can help secure preferred pricing. An association of health care providers seeks a single program policy to cover the trade association and its board members. The program’s entity coverage and AIG capacity provide a workable solution for that structure. Territories and availability Available for placement 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. Why place D&O with Smith Bell & Thompson, Inc. Program focus on health care and association classes means underwriting and policy wordings tailored to your clients’ exposures. Broad EPLI language and entity coverage help reduce coverage gaps for multi-entity and management exposures. Placement with an experienced market (AIG) and a wholesaler that understands program business helps streamline submission-to-quote turnaround. Special NAHC member pricing is a differentiator when placing home care accounts. Frequently Asked Questions What types of health care accounts work best for this D&O program?Mid-sized to larger home care agencies, community health organizations, and trade associations are a good fit—especially those with documented governance, clean claims histories, and standard employment practices. NAHC members can access special pricing. Does the policy include entity coverage and EPLI?Yes. The program can provide named organization (entity) coverage and includes a broad definition of employment practices (EPLI) claims, protecting both the entity and individual directors, officers and employees. What submission materials speed up underwriting?Provide the organization’s bylaws, most recent financial statement, D&O/EPLI loss run, and employment policies. Complete background on any pending regulatory or litigation matters should also be included. Which carrier capacity is used for this program?Capacity for this Directors & Officers Liability program is provided through AIG. Which states is this program available in?The program is available in most U.S. states and DC, including 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 and WY. Need help placing an account? Connect with a market specialist.

Directors & Officers Insurance Program from Superior Access Superior Access Insurance Services, Inc. offers a focused Directors & Officers (D&O) Insurance program that helps protect the personal assets of directors, officers and in many cases the organization itself when leadership faces management-related claims. This wholesale program is designed for agents and brokers looking for flexible market access and tailored management liability solutions for privately held businesses, nonprofits, startups and other organizations. Ideal Accounts and Target Classes The program fits a wide range of management liability needs, including: Private companies with active boards or outside investors Nonprofit organizations and trade associations Startups and growth-stage firms preparing for funding Companies undergoing mergers, acquisitions, or internal restructuring Whether you represent a small volunteer-led nonprofit or a tech startup taking on outside capital, this D&O program can be tailored to the account’s governance and exposure profile. Coverage Highlights and Advantages Superior Access places D&O limits that address common leadership exposures and can layer optional protections to meet an insured’s needs. Common coverages and extensions include: Directors & Officers liability for alleged wrongful acts Employment Practices Liability (EPLI) for discrimination, harassment, and wrongful termination claims Entity-side coverage and Side A/B/C options where available Errors & Omissions for managerial advice or professional exposures tied to leadership decisions Bankruptcy or liquidation-related exposures Acquisition/investment-related claims and representational exposures Carriers and available forms vary by state and account characteristics; Superior Access works with multiple markets to assemble competitive and practical placements. Underwriting Notes and Minimum Premiums Underwriting for this program is responsive and designed to handle a broad risk spectrum. Minimum premiums and final terms depend on industry, revenue, employee count, governance practices, and claims history. Superior Access reviews each submission to identify the most appropriate admitted or non-admitted market for the account. Territories and Availability This D&O program is available in most U.S. states, including CA, TX, FL, NY, IL and GA, and Superior Access provides market access across Washington, D.C. and the continental United States. Availability may vary by carrier and coverage form, so confirm state eligibility when submitting. Why Work with Superior Access? As a wholesale broker specializing in professional and management liability, Superior Access offers agents streamlined access to multiple carrier partners and experienced underwriting support. Their strengths include: Fast quote turnaround and hands-on placement assistance Access to both admitted and non-admitted solutions depending on the account Flexibility to handle complex or non-standard risks Guidance on application presentation and loss-control considerations These capabilities help you place D&O business more efficiently and increase the chance of a successful placement for challenging accounts. Contact us today to learn more about our Directors & Officers program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for private companies, nonprofits, startups, and other organizations with boards or leadership teams that face management liability exposures. Is Employment Practices Liability Insurance (EPLI) included?EPLI is available as part of the D&O program and can be added to address claims such as discrimination, harassment, and wrongful termination. What is the minimum premium for this coverage?Minimum premiums vary by industry, size, and claims history. Contact Superior Access for underwriting guidance and a quote tailored to your client. Which states is this program available in?The D&O program is available in most U.S. states, including major markets. Confirm state-specific availability when you submit the account. Do you work with multiple carriers for this program?Yes. Superior Access works with a variety of carriers to provide flexible and competitive D&O solutions that match the account’s needs. Need help placing an account? Connect with a market specialist.

...ustomers, competitors, and even government entities. Our D&O program is bu...

Overview of the D&O Public Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers the D&O Public program to help you place directors & officers and employment practices liability for publicly held entities and other organizations with public exposures. Backed by a broad carrier network (ExecutivePerils is appointed with over 35 insurance companies), this program pairs flexible coverage options with enhanced market access to protect executives, boards and the corporate entity. Ideal Accounts and Appetite Publicly traded companies across small- and mid-cap segments Private companies preparing for IPO or with imminent public filings Organizations that need combined D&O and Employment Practices Liability (EPL) placements Non-profit 501(c)(3) board service exposures (automatic coverage for service on nonprofit boards) Typical accounts fit a range of revenue and employee sizes; underwriters favor firms with controlled governance, clear employment practices, and manageable litigation history. The program also supports stand-alone D&O placements and optional fiduciary liability extensions for retirement plan exposures. Coverage Highlights and Advantages Separate limits for Directors & Officers Liability and Employment Practices Liability EPL defense costs provided outside the limit of liability for firms with up to 200 employees Unlimited extended reporting period for former directors and officers Occurrence-form protection to address certain claim timing concerns EPL wrongful act coverage that lists 12 named perils, including claims arising from internet use and third-party sexual harassment Optional third-party discrimination coverage when EPL is purchased Automatic entity coverage included in both the D&O and EPL coverage parts Full prior-acts coverage and punitive damages where insurable by law Spousal extension and automatic coverage for service on nonprofit 501(c)(3) boards Underwriting Notes Underwriters will review governance practices, financial condition, regulatory or securities exposures, employment practices, and prior claim or litigation history. The program accommodates both combined D&O/EPL placements and stand-alone D&O policies. Optional features such as fiduciary liability and third-party discrimination can be added when appropriate. Key underwriting observations: EPL defense costs outside the limit apply for employers with up to 200 employees — this can materially reduce erosion of limits on smaller accounts. Unlimited extended reporting periods for former directors & officers are available, which is attractive for companies with board turnover or M&A activity. Full prior acts coverage is included, simplifying placements for clients converting from other carriers. Example Account Scenarios You have a public technology company with 150 employees facing heightened employment exposure after a workforce reduction. This program’s EPL features (defense outside the limit and broad wrongful-act perils) can help preserve limits for securities exposures. You’re placing D&O for a small public retailer preparing for an IPO. The occurrence-form protection, unlimited extended reporting for former officers, and optional fiduciary extension address pre- and post-IPO risks. Territories and Availability Available in: 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. Why Work with ExecutivePerils, Inc. on D&O Public Deep carrier access: appointed with 35+ markets to place diverse public-company risks. Program flexibility: modular options let you tailor D&O, EPL, fiduciary and entity coverages for each account. Agent-focused service: underwriting teams experienced in public company exposures and IPO transitions. Claims-conscious wording: full prior acts and unlimited extended reporting provide continuity for clients moving between markets. Frequently Asked Questions What types of public companies are a good fit for this D&O Public program?Small- to mid-cap public companies, private firms preparing for an IPO, and organizations with standard governance and manageable litigation history are primary targets. The program also supports non-profit board service exposures. How does the EPL defense costs outside the limit work?For firms with up to 200 employees, EPL defense costs are paid outside the limit of liability, which preserves the limit for indemnity payments and securities exposures. Confirm employee counts with underwriters during submission. Is prior-acts coverage included?Yes — the program includes full prior acts coverage, helping ensure continuity when a client is switching carriers or renewing with new terms. What optional extensions are available?Options include stand-alone D&O, fiduciary liability extensions, and third-party discrimination when EPL is purchased. Availability and limits depend on carrier appetite and account specifics. Which states can I submit risks from?This program is available in the full list of states shown in the storefront (including the District of Columbia). Check with underwriting for any state-specific filing or form requirements. Need help placing an account? Connect with a market specialist.

...ard Occupancy) • Condominiums • Government Buildings • Distribution • Light Ma...