https://completemarkets.com/company/jmwilson/directors-and-officers-insurance---do/
Directors & Officers Insurance Program from J.M. Wilson Corp.
J.M. Wilson Corp. offers a flexible, competitive Directors and Officers (D&O) Insurance program that helps protect the personal assets of directors and officers at private companies. As a Managing General Agency and Excess & Surplus Lines broker with access to admitted and non-admitted carriers, J.M. Wilson provides solutions agents and brokers can use to place essential executive liability coverage for their clients.
Ideal Accounts and Appetite
The program is designed for a broad range of private companies—especially small to mid-sized firms that may lack in-house risk management. Typical fits include:
Private companies with up to 200 employees
Accounts seeking standalone D&O or combined D&O and EPLI
Companies exposed to claims from employees, customers, vendors, competitors, lenders, or shareholders
Example scenarios: you might have a client that recently expanded its executive team or secured outside funding and now needs protection for management decisions; or a small firm experiencing increased employment-related exposures that requires EPLI alongside D&O coverage.
Coverage Highlights and Advantages
J.M. Wilson’s D&O program includes built-in features and optional extensions that address common executive liability exposures:
Separate D&O and EPLI liability limits
EPLI defense costs outside the limit of liability (for firms with up to 200 employees)
Unlimited extended reporting period for former directors and officers
Coverage for sexual harassment and optional third-party discrimination (when EPLI is purchased)
Stand-alone D&O liability option
Optional fiduciary liability extension
Entity coverage automatically included under D&O and EPLI parts
Full prior acts coverage
Punitive damages coverage where insurable by law
Automatic coverage for service on Non-Profit 501(c)(3) boards
Spousal extension
Access to AM Best A++ rated carrier options
Underwriting Notes and Minimum Premiums
The program offers flexible limits and retention choices to match different company sizes and risk profiles. Typical parameters include:
Retention starting at $5,000
D&O limits available up to $5,000,000
EPLI limits available up to $5,000,000
$2,500 minimum premium
Underwriting consideration focuses on company size, financial stability, claims history, corporate governance, and employment practices. Higher-risk industries or organizations with significant shareholder litigation exposure may require referral to specialty markets.
Territories and Availability
This D&O program is available to licensed agents and brokers in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Why Work With J.M. Wilson Corp.
J.M. Wilson combines MGA underwriting expertise with E&S broker capabilities and strong carrier relationships. That mix gives agents access to admitted and non-admitted markets, flexible program design, and responsive service. Their underwriting insight helps place complex D&O and EPLI risks efficiently while tailoring terms to each client’s profile.
Frequently Asked Questions
What types of accounts are a good fit for this Directors and Officers program?This program is ideal for private companies—particularly small to mid-sized firms with up to 200 employees—that need protection for their executives and the entity against management liability claims.
Can I write EPLI coverage without D&O, or vice versa?Yes. The program offers separate D&O and EPLI limits, and it also allows a stand-alone D&O liability option.
Are nonprofits eligible for this program?Yes. The program automatically includes coverage for service on 501(c)(3) nonprofit boards, which can be a useful benefit for directors involved with charitable organizations.
What limits and retentions are available?D&O and EPLI limits are available up to $5,000,000, with retentions starting as low as $5,000; final terms depend on the risk profile and underwriting review.
In which states is this program available?This D&O program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Need help placing an account? Connect with a market specialist.