Search CompleteMarkets

Directors and Officers Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Directors and Officers (D&O) Liability Insurance program tailored to address the evolving risks faced by executives and board members. As a wholesale broker with access to multiple carriers, First Choice provides insurance agents and brokers with a reliable market to place D&O coverage for privately held companies, publicly traded firms, and non-profit organizations. Ideal Accounts and Appetite This D&O program is designed for a broad range of businesses and organizations where leadership could be exposed to personal liability due to management decisions. Target classes include: Privately held and publicly traded companies Non-profit organizations and associations Educational institutions and healthcare entities Technology firms and financial services companies Accounts with a stable financial history and strong internal governance are typically a good fit. You might have a client who recently brought in new investors and needs D&O coverage to protect the board, or a growing non-profit where the board of directors is concerned about fiduciary responsibility exposures. Coverage Highlights and Advantages Directors and Officers Liability Insurance provides essential protection against claims arising from alleged wrongful acts committed by directors and officers in their capacity as leaders. Policies typically include: Insuring Agreement A (A-Side Coverage): Direct coverage for directors and officers when the company cannot indemnify them. Insuring Agreement B (B-Side Coverage): Reimbursement to the company when it indemnifies its directors and officers. Optional Entity Coverage: Protection for the corporation against securities-related claims, if applicable. Defense Costs: Covered for investigations, regulatory actions, and lawsuits. This program is structured to address both individual and corporate exposures, making it a strong solution for clients facing increasing scrutiny from shareholders, regulators, or the public. Underwriting Notes and Minimum Premiums First Choice works closely with agents to evaluate financials, loss history, and management practices. While minimum premiums are not listed, submissions should include full applications, financial statements, and claims history for best consideration. Non-admitted options provide greater underwriting flexibility for complex or higher-risk exposures. Territories and Availability This D&O insurance program is available on a non-admitted basis in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. First Choice offers regional expertise backed by national market access. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. brings deep experience in D&O and executive liability lines. They offer responsive service, a diverse carrier network, and the underwriting insight agents need to place complex risks. Whether you're working with a startup or a mature company, First Choice can help you deliver tailored solutions that protect your clients’ leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private and public companies, non-profits, and professional organizations with board-level exposures and a need for executive protection. Does this program offer entity coverage for securities claims?Yes, many policies available through First Choice offer optional entity coverage for securities-related claims, subject to underwriting approval. Is the coverage admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What underwriting information is needed to submit a risk?Typical submissions should include a completed D&O application, current financial statements, and a history of any past claims or litigation involving directors or officers. In which states is this program available?This program is available in 30 states, including CA, FL, NY, TX, IL, and others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

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 J.M. Wilson Corp. J.M. Wilson Corp. offers a flexible and competitive Directors and Officers (D&O) Insurance program designed to protect the personal assets of your clients who serve as directors and officers of private companies. With access to both admitted and non-admitted carriers, J.M. Wilson provides extensive solutions for agents and brokers looking to place this essential coverage for their insureds. Ideal Accounts and Appetite This D&O program is suitable for a wide range of private companies, including small to mid-sized businesses that may not have the internal resources to manage the financial risks of litigation. Ideal accounts include: Private companies with up to 200 employees Firms in need of standalone D&O or combined D&O and EPLI coverage Businesses concerned about claims from employees, customers, vendors, competitors, lenders, or shareholders You might have a client who recently expanded their executive team or secured funding, and now needs protection against claims related to management decisions. Or perhaps a small firm is facing increased employment-related exposures and needs EPLI alongside D&O coverage. Coverage Highlights and Advantages J.M. Wilson’s program offers extensive protection with valuable built-in features and optional extensions: 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 (if EPLI is purchased) Stand-alone D&O liability option Optional fiduciary liability extension Entity coverage automatically included under D&O and EPLI coverage 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 AM Best Rated A++ carrier Underwriting Notes and Minimum Premiums The program offers flexible limits and retention options to meet the needs of various company sizes and risk profiles: 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 Territories and Availability J.M. Wilson’s D&O Insurance 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. As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of expertise and strong market relationships to the table. They represent a range of admitted and non-admitted carriers, offering tailored solutions and underwriting insight to help agents navigate complex D&O and EPLI risks. Their responsive service and flexible program design make them a reliable partner for placing executive liability coverage. Frequently Asked Questions What types of accounts are a good fit for this Directors and Officers program?This program is ideal for private companies, especially small to mid-sized firms with up to 200 employees, that need protection for their executives and 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 there is also a stand-alone D&O liability option available. Are nonprofits eligible for this program?Yes. The program includes automatic coverage for service on 501(c)(3) nonprofit boards, which can be an added benefit for directors involved in 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, depending 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.

Founded in 1986 and celebrating its 25th Anniversary ARC Excess & Surplus has grown to become one the largest wholesale insurance brokerages in the country. Our ability to understand your needs and capitalize on our carrier relationships, positions us as an industry leader where “We Get it Done.” ARC has always delivered the best in class product in less time allowing our clients to focus their time on producing new business. We are the D&O Experts Access to over 60 markets Ability to provide customized coverage enhancements not available in the general market place. From the smallest private firm to the largest public Highest caliber of brokerage services in the industry Highly experienced legal team to work on your account What is Directors & Officers Liability Insurance? D&O coverage provides protection for Directors and Officers from claims alleging that they have made improper decisions or failed to make proper decisions in their capacities as Directors and Officers. This coverage now also extends at some level to the entity as well as to other employees, while continuing to provide the necessary protection for Directors and Officer managing their companies in this litigious environment. Why do I need Directors & Officers Liability Coverage? As a Director or Officer, this policy will protect your personal assets when corporate indemnification is not available to you. Plaintiffs may attack personal assets in litigation stemming from alleged mismanagement of a corporation by you or other board members. Whether damages occurred as a result of your actions , or you were an innocent party, defense costs alone can be substantial. Categories of Directors & Officers - Public Company Directors & Officers Professional Liability Insurance - Private Company Directors & Officers Professional Liability Insurance - Non-Profit Company Directors & Officers Professional Liability Insurance Locations: Contact Info: ARC Excess & Surplus, LLC Phone: 516-408-5751 E-Mail: [email protected] ARC MidAtlantic Excess & Surplus, Inc. Phone: 856-401-8070 Stan Quirk - [email protected] Bruce Davis - [email protected] ARC Excess & Surplus of New England, LLC Phone: 860-793-9333 Scott Farrell - [email protected] Tom McGraw - [email protected] ARC West Coast Excess & Surplus Brokerage, LLC Phone: 626-584-5050 Sandra Hunt - [email protected] Ceillia Whiteford - [email protected] ARC Excess & Surplus of MidSouth, LLC Phone: 410-427-9564 Larry Jones - [email protected] ARC South, LLC Phone: 404-474-4301 Todd Horwitz - [email protected] Burns Parker - [email protected]

...up Demetriou Group’s Professional Offices Insurance program gives independent ...t for small-to-mid-size professional offices such as accountants, architects, ...

Offices Insurance Allstar Financial Group’s Offices Insurance program through Allstar Un...work with Allstar Financial Group on Offices Insurance Allstar combines dedica...

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.

Expertise. Solution. Service. MAXIMUM offers a comprehensive Community Association Directors & Officers Liability insurance program tailored for residential and commercial community associations. Designed to protect board members, officers, trustees, volunteers, and property managers from claims arising from decisions made on behalf of their communities, this program offers robust coverage, flexible underwriting, and competitive terms. Ideal Accounts and Appetite This program is best suited for: • Associations with up to 1,000 units • Properties with average unit values up to $1 million Whether your client manages a suburban condominium complex or a mixed-use planned unit development, MAXIMUM can help protect their leadership teams from costly litigation and management exposures. Target Classes Eligible risks include a wide range of community associations: • Condominium association • Office park • Cooperatives (except in New York state) • Planned unit development • Homeowners association • Retail association • Mobile home park • Townhouse association Coverage Highlights and Advantages • Limits available up to $5 million • Defense for breach of contract claims • Coverage for both monetary and non-monetary claims • No exclusion for failure to maintain insurance claims (where available) • Lifetime occurrence reporting period • Manager/management company automatically named as additional insured • Defense costs outside the limit • Duty to defend with affirmative allocation wording • Third-party harassment and discrimination coverage • Employment practices liability included for associations with 10 or fewer employees • Full prior acts coverage • Softened settlement clause covering 75% of defense costs and loss if insured refuses to settle • Punitive damages covered (where insurable by law) • Access to business solution vendors offering HR services, screenings, identity theft protection, and marketing support • A.M. Best A++ rated carrier • Admitted in all states except VT (non-admitted), and not available in WV and LA Underwriting Notes • Retentions start at $1,000 • Retentions vary by state, city, and class The program is not available for the following: • Airports or airstrips • Rental associations • Builder/developer-controlled associations • Sewage treatment facilities • Condo/hotels • Storage associations • Interval ownership • Timeshares • Associations located in LA or WV • Cooperatives in NY state • Associations with more than 1,000 units or average unit values over $1 million • More than two D&O or EPL claims/circumstances in the past five years Territories and Availability This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, IL, and NJ. It is not available in Louisiana or West Virginia, and is written on a non-admitted basis in Vermont. Why Work With MAXIMUM? As a wholesale brokerage with extensive experience in specialty insurance programs, MAXIMUM delivers tailored solutions, responsive service, and strong market access. Our Community Association D&O program leverages our deep industry knowledge to help you protect your clients and grow your book of business. We don’t settle for less than the best—and neither should you. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include condominium associations, homeowners associations, planned unit developments, and similar community associations with up to 1,000 units and average unit values under $1 million. Are property managers covered under this policy?Yes, the manager or management company is automatically named as an additional insured under the policy. Is employment practices liability coverage included?Yes, EPL coverage is included at no additional premium for associations with 10 or fewer employees. Are defense costs included within the policy limits?No, defense costs are outside the policy limit, providing additional protection to the insured. Which states is this program not available in?The program is not available in Louisiana or West Virginia and is written on a non-admitted basis in Vermont. Need help placing an account? Connect with a market specialist.

Directors & Officers Insurance Program from J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a robust Directors & Officers (D&O) Insurance program designed to protect the leadership of a wide variety of organizations. As a Managing General Agency (MGA) with access to 25 different insurance carriers, we provide agents and brokers with flexible and competitive D&O solutions in all 50 states, plus Washington, DC. Ideal Accounts and Target Classes This program is ideal for both for-profit and nonprofit organizations, including: Banking institutions and financial service groups Condominium and homeowners associations Nonprofit organizations across various missions Youth amateur sports leagues and associations (e.g., Little League, Pop Warner, Soccer, Pony Baseball) Professional service providers requiring Errors & Omissions coverage Most professional organizations with board-level exposures Whether your client is a small nonprofit board or a complex professional association, we can help you place coverage that fits their unique governance risks. Coverage Highlights and Program Features Our D&O program is structured to help organizations mitigate liabilities related to management decisions, fiduciary responsibility, and employment practices. We also offer specialized packages for youth amateur sports organizations that combine D&O with fidelity coverage to protect against dishonest acts. New Program Highlights: Directors & Officers for Youth Amateur Sports: Example: League Association — No Charge, $1 million coverage Team Coverage — $275.00 per team for $1 million in protection Fidelity for Youth Amateur Sports: Example: $125.00 per team — $10,000 in fidelity coverage Underwriting Insight We provide flexible underwriting with a broad appetite for many classes of business. While there is no specific minimum premium listed, our team works to match your clients with the best-fit carrier and pricing structure. Accounts are reviewed on a case-by-case basis, with particular attention to governance structure and financial stability. State Availability This program is available in all 50 states and Washington, DC. Whether your client is based in California, New York, Texas, or anywhere in between, we can help you find the right D&O coverage solution. Why Work With J.R. Olsen Bonds & Insurance Brokers, Inc.? With decades of experience and strong carrier relationships, J.R. Olsen Bonds & Insurance Brokers, Inc. offers unmatched service and access to competitive D&O markets. Our expertise in both standard and niche sectors—like youth amateur sports—allows us to provide tailored solutions that protect your clients’ leadership teams. We make it easy for agents and brokers to place D&O coverage with confidence. If you’re working with a nonprofit board, a community sports league, or a professional services firm, partner with us for responsive service, broad market access, and deep underwriting knowledge. Frequently Asked Questions What types of accounts are a good fit for this D&O program?Ideal accounts include nonprofit boards, condo associations, youth sports leagues, professional organizations, and financial institutions. Is this program available in all states?Yes, our Directors & Officers Insurance program is available in all 50 states and Washington, DC. Can this program cover youth sports organizations?Yes, we offer specialized D&O and fidelity coverage options for youth amateur sports leagues like Little League, Soccer, Pop Warner, and more. Which carriers back this program?We work with 25 different insurance carriers to provide competitive quotes and coverage options tailored to your client’s needs. Do you offer admitted and non-admitted options?Yes, we offer coverage through both admitted and non-admitted carriers, depending on the state and specific risk profile. Need help placing an account? Connect with a market specialist.