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Directors & Officers (D&O) Insurance Companies & Non-Profits
FOR DIRECTORS & OFFICERS OF A COMPANY
Film Emporium offers D&Oinsurance.
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Directors & Officers Liability Coverage Overview
D&O Insurance vs. Errors & Omissions (E&O)
Employment Practices Liability & Harassment/Discrimination Claims
Fiduciary Liability & Management Duty Exposure
D&O Insurance for Companies, Production Entities & Non-Profits
Why Boards & Officers Should Carry D&O Coverage
Directors & Officers (D&O) liability insurance provides financial protection for the directors and officers of a company or organization when they are sued over decisions made in their managerial roles. Think of D&O coverage as management-level Errors & Omissions, focused on governance, oversight and leadership duties rather than the products or services your company provides.
A D&O policy can often be combined with Employment Practices Liability (EPL) and, in some cases, Fiduciary Liability. EPL addresses claims such as harassment, discrimination and wrongful termination—where a significant portion of today’s exposure lies.
D&O and traditional Errors & Omissions are not the same: E&O addresses mistakes in professional services or media content, while D&O addresses alleged wrongful acts, mismanagement or breach of duty by board members and officers. In many cases, it is advisable to carry both coverages to fully protect your company and its leadership team.
Film Emporium helps businesses, production entities and non-profits access A-rated D&O markets and structure coverage that aligns with their risk profile, board expectations and contractual requirements.
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DIRECTORS & OFFICERS
Who needs D&O liability?
Liability insurance for the errors, omissions, and other wrongful acts of directors and officers has been available since the early 1960s. Since that time, the increase in public awareness and expectations, and the more litigious nature of society, has resulted in a virtual explosion of litigation against corporate managers as well as judicial analysis of the conduct and standards applicable to Directors & Officers. The result is that Directors & Officers are frequently being “second guessed” by the courts. Therefore, it is important to be prepared with the proper insurance coverage.