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D&O and employment practices insurance

protect the company and its leaders.

Directors and officers coverage for claims from investors and regulators. Employment practices coverage for claims from your team. We find the right mix and stay with you through the claim.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

sued? you’re not
on your own.

Investors, employees, candidates and regulators. Tap around the office to see what’s covered, and what isn’t.

Illustrated office with a glass-walled meeting room and a stack of binders on the table, a desk with a laptop and a purple envelope, a pinned-up bulletin board, a water cooler, a wall safe and a server rack

covered

An investor sues the board

Your defense and any settlement.

covered

A fired employee sues

Wrongful termination claims.

covered

A candidate claims bias

Discrimination in hiring.

usually covered

Regulators start asking

Your defense in a formal investigation.

covered

An investor sues the board

Your defense and any settlement.

Examples. Your policy sets the details.

whoever sues,
know what steps in.

Pick who’s suing to see which policy steps in.

An employee sues

Harassment and
wrongful firing.

EPL pays your defense and any settlement, even when the claim has no merit.

covered by: Employment practices liability. Illustrated envelope holding a letter, sealed with a purple wax seal

served papers?
make one call.

We get the claim to the carrier, line up the right defense lawyer and follow it to the end.

  1. 1. Call us when it lands

    A demand letter, a lawsuit or a regulator’s note. Send it over.

  2. 2. We report it right

    Claims-made policies have deadlines. We file on time.

  3. 3. We stay on it

    Defense, settlement talks and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Labs

your options

$6,200a year, $1M D&O + $1M EPL

3 options, same coverage

Option A$6,200

Option B$6,900

Option C$7,800

Software startupDenver, CO40 employeesSeries A
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about D&O and EPL.

What is the difference between D&O and EPL?
D&O (directors and officers) covers claims against your company’s leaders for management decisions, often from investors, lenders or regulators. EPL (employment practices liability) covers claims from employees and candidates, like harassment, discrimination or wrongful termination. Many companies buy them together in one management liability package.
Does a private company need D&O insurance?
Often, yes. Private company leaders can be sued by investors, lenders, customers, competitors and regulators. D&O protects their personal assets and the company’s balance sheet. Many private company D&O policies also bundle EPL and fiduciary coverage.
Do investors require D&O insurance?
Often. Venture and private equity investors commonly require D&O before or at closing, especially if they take a board seat. Board members typically won’t serve without it. Check your term sheet, since it may name a minimum limit.
What does employment practices liability cover?
EPL covers claims from employees, former employees and job candidates, including discrimination, harassment, retaliation and wrongful termination. It pays for legal defense and settlements. Coverage for wage and hour claims is usually limited or excluded.
What does claims-made mean?
A claims-made policy covers claims made during the policy period, for incidents after the retroactive date. D&O, EPL and professional liability are usually claims-made. Report claims promptly, and keep coverage continuous, since a gap can leave past incidents uncovered.

Insurance words, in plain English: occurrence vs claims-made · tail coverage · change in control · d&o side a, b and c

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA