Insuring Florida for Over 30 Years

Directors and Officers (D&O) liability insurance protects the personal assets of your company's directors, officers, and board members — as well as the organization itself — when they are sued for alleged wrongful acts committed in their management of the business. Decisions made in the boardroom carry real personal exposure, and D&O coverage steps in where general liability and other policies do not.

D&O claims commonly arise from:

• Shareholders, investors, or members alleging mismanagement or breach of fiduciary duty
• Employees alleging wrongful acts at the leadership level
• Creditors, vendors, and competitors
• Regulators and government agencies
• Misrepresentation, breach of duty, or failure to comply with laws and regulations

Coverage typically includes the defense costs, settlements, and judgments associated with these claims, structured across the standard Side A / Side B / Side C insuring agreements that protect individuals and the entity. D&O is essential for corporations, privately held companies, and nonprofit boards alike. Pettineo Insurance can place D&O on its own or alongside EPLI and other management liability lines.