Coverage for claims against company leaders tied to management decisions.
D&O insurance helps protect directors, officers, board members, and the organization from covered claims alleging wrongful acts in management or governance.
- TodayNew director listedBoard change reflected on the policy
- YesterdayInvestor requirement metD&O proof delivered for the round
- May 19Renewal applicationFinancials packaged for underwriting
New to it, or switching a policy over?
We'll explain what it typically covers, what it leaves out, and what contracts or landlords commonly ask for — in plain English, no pressure.
Already have a policy? Upload it. We'll review the limits, exclusions, and wording, compare the market, and tell you straight whether it's worth a move — same coverage, no gap.
These are the moments it’s built for.
Directors & officers is a practical coverage layer for businesses with this exposure. Riza helps you understand what the policy is supposed to do, where it stops, and how it should connect to the rest of your insurance stack.
You have a board, investors, lenders, shareholders, or outside stakeholders.
Leadership decisions could trigger claims from investors, employees, competitors, or regulators.
You are raising capital, taking on debt, or formalizing governance.
You operate a nonprofit, startup, real estate group, or growing private company.
What it helps cover.
The moments this policy typically steps in for — in plain English, before the policy language.
Claims against directors and officers for covered management decisions.
Entity coverage for certain claims against the company.
Defense costs for covered governance claims.
Investor, creditor, competitor, or regulatory claim defense when covered.
Side A protection for leaders when indemnification is unavailable.
Coverage varies by policy form, carrier, limits, exclusions, and the facts of the claim. We review the wording with you before recommending anything.
What sits in another policy.
No policy covers everything. Here’s where this one usually stops — and what typically picks up from there.
Each line links to the coverage that usually responds. None of these are recommendations by themselves — what you need depends on the business and the contracts.
Here’s how it actually plays out.
An investor alleges misrepresentation.
A creditor alleges mismanagement.
A former executive sues leadership.
A nonprofit board faces a governance claim.
What actually moves the price.
No number on a landing page is a real quote. These are the inputs underwriters actually look at — and what we pin down with you so the policy fits.
- Cap table and ownership review.
- Board and governance details.
- Financial condition and fundraising plans.
- Employment and fiduciary overlap review.
No instant-quote gimmicks. We get the inputs right, compare the market, and show you the tradeoffs that matter.
We read the fine print so you don’t have to.
A licensed broker — writing in plain English and staying on it after bind. Insurance that feels handled.
We start with the real-world exposure, not the policy name.
We review contracts, current policies, exclusions, limits, and operational details.
We compare carrier options and explain the tradeoffs in plain English.
We keep coverage useful after bind with certificates, endorsements, renewals, and reviews.
Questions we get a lot.
Who needs directors & officers?+
Businesses need it when the exposure exists in their operations or when a contract, landlord, lender, client, or regulator requires it.
What does directors & officers usually cover?+
Coverage depends on the policy form, carrier, limits, endorsements, exclusions, and facts of the claim. Riza reviews the details before recommending a policy.
What affects the cost of directors & officers?+
Pricing usually depends on the industry, size, location, limits, claims history, contract requirements, and underwriting details specific to the coverage line.
Can Riza review my current directors & officers policy?+
Yes. Upload your current policy or declarations page and Riza can flag gaps, confusing wording, missing endorsements, and coverage that may no longer match the business.
Let’s get you covered.
Tell us a bit about your business, see your options, and we’ll take it from there.
- 01We start with the real-world exposure, not the policy name.
- 02We review contracts, current policies, exclusions, limits, and operational details.
- 03We compare carrier options and explain the tradeoffs in plain English.
- 04We keep coverage useful after bind with certificates, endorsements, renewals, and reviews.