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Directors & Officers Liability
Directors & Officers Liability

Secure Your Leadership with Directors & Officers Liability Insurance

Leadership decisions can have profound impacts. Directors & Officers Insurance from Sun Coast General Insurance can provide essential liability coverage for your company’s board members and officers, protecting them against personal losses resulting from legal actions due to their corporate activities. Ensure your leadership can operate with confidence, knowing they're safeguarded against the complexities of litigation.
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What Does Directors & Officers Insurance Cover?

Comprehensive Directors & Officers Liability Coverage for Decision-Makers

Our Directors & Officers (D&O) Insurance can cover a wide range of potential risks including legal fees, settlements, and judgments arising from lawsuits alleging wrongful acts in their capacity as directors or officers. These might include claims of breach of fiduciary duty, misuse of company funds, misrepresentation, and failure to comply with workplace laws. Coverage can extend to protect the company itself in cases where it is named in a lawsuit alongside directors and officers.
Key Features

Tailored Directors & Officers Liability Insurance to Meet Executive Needs

These coverages are subject to the specific terms and conditions of your policy. It’s important to consult with a Sun Coast insurance professional to understand the full scope of coverage and how it applies to your business and employees.
Defense Costs
Even if the lawsuit proves groundless, defense costs can be substantial; D&O insurance can help manage these costs effectively.
Indemnification Provisions
Can cover directors and officers when indemnification by the corporation is not available.
Extended Reporting Periods
Options for additional coverage duration are available, allowing claims to be filed even after the policy period if the acts occurred during the policy duration.
Benefits of Directors & Officers Insurance

Directors & Officers Liability: Leadership with Peace of Mind

The right D&O policy not only protects individuals from personal financial loss but also ensures that your company can attract and retain qualified executives, knowing that their personal assets are not at risk due to their management decisions.
Trust

Directors & Officers Liability Insurance Built on Trust, Simplicity, and Savings

Partner with us for seamless and supportive insurance. Our dedicated team of agents and customizable, budget-friendly plans ensure you get the coverage you need, exactly when you need it.
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3,500+ Agents to Ready to Assist You
Sun Coast has over 3,500 independent agents in Arizona, Colorado, California, Hawaii, Nevada, Oregon, Utah, and Washington.
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Savings Centered
We offer you the insurance coverage you want, without all the unnecessary extras. When you only pay for the coverage you need or want, you save.
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Support

Got Questions About Directors & Officers Liability Insurance?

We have answers for you on all things insurance.
Who Needs Directors & Officers Liability?
D&O Insurance is crucial for any corporation with a board of directors or advisory committee, including public companies, privately held firms, and nonprofit organizations. It can protect these individuals from personal exposure to financial liabilities, thus ensuring that they can focus on what’s best for the business without fear of personal financial loss.
What is the difference between D&O and E&O insurance?
Directors & Officers (D&O) insurance specifically protects the personal assets of corporate directors and officers in the event they are personally sued for alleged wrongful acts in managing a firm. Errors & Omissions (E&O) insurance, on the other hand, covers professionals for claims against them regarding negligent actions or inadequate work in the services they provide. While D&O insurance focuses on the management decisions of the company’s leaders, E&O is about the performance and duties of the services offered.
Are volunteers covered under D&O insurance in a nonprofit?
Yes, volunteers can be covered under D&O insurance for nonprofits. Many D&O policies include coverage for directors, officers, trustees, employees, and volunteers.
Can claims made after a director has left the company be covered?
Yes, most D&O insurance policies include a "tail" coverage, which allows for claims to be reported after a director or officer has left the company, as long as the alleged wrongful act occurred during the period they were actively serving in their role. This is important to ensure ongoing protection for former directors and officers against claims arising from their past business decisions.
How do I determine the amount of coverage needed for my company?
Determining the right amount of D&O insurance coverage involves assessing various factors including the size and type of your business, the industry in which you operate, the risks associated with your business decisions, and the personal assets of the directors and officers that could be at risk. Additionally, consider the potential legal costs in defending a lawsuit, as well as any settlement or judgment amounts that could be significant. Consulting with an insurance expert who understands the specific risks associated with your industry and can tailor the coverage to your needs is advisable.
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See What Our Customers Are Saying

From excellent discounts to incredible support, there is enough to love about Sun Coast Insurance.
“Great rates. Flawless transaction best rates I found!”
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CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
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Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
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Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
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Shantell
Sun Coast Customer
“Great rates. Flawless transaction best rates I found!”
Icon of CJ
CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
Icon of Amber
Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
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Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
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Shantell
Sun Coast Customer

Get a Directors & Officers Liability Insurance Quote and See How Much You Can Save

Comparing our carrier’s rates and coverage is easy. Start saving on your insurance today.
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Call (800) 300-8838

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Sun Coast General Insurance Agency, Inc. is a wholesale insurance agency and authorized program administrator for several insurance companies authorized to sell in Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah and Washington. We provide consumers with online, phone, and in-person insurance services through our insurance company and independent agent relationships.
Sun Coast offers all of it's products through independent insurance agents. If you would like to speak with a local independent insurance agent near you, please call (800) 300-8838 and one of our representatives will put you in contact with an authorized Sun Coast producer.