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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.