Directors & Officers Insurance in Ohio, for the people who make the calls.

Good people serve on boards. They shouldn't risk their own savings to do it.

Directors and officers make decisions every day: who to hire, how to spend the budget, which contract to sign, when to raise dues or change a policy. Most of the time those decisions are fine. But anyone who disagrees with one can file a lawsuit, and the people who made the call can be named personally. That's where D&O insurance comes in.

D&O coverage helps pay legal fees, settlements and other costs when directors, officers and managers are sued over how they ran the organization. Typical allegations include mismanaging funds, failing to follow workplace rules, misstating the organization's finances, inadequate disclosure and reporting errors. Even a claim with no merit has to be defended, and defense costs are often the largest part of the bill.

A common myth is that only big public companies need D&O. In practice, nonprofits, HOA and condo association boards and small, privately owned companies get sued too, and their volunteers and owners usually have the most personal exposure. A good D&O policy can also make it easier to recruit board members, because they know the organization has their back.

We're an independent agency, so we represent multiple insurance companies. We'll walk through your organization, compare D&O options across several carriers, and explain what each policy does and doesn't cover. Nothing on this page is legal advice.

How D&O fits with your other coverage.

D&O is one piece of a business or nonprofit insurance program. It's worth knowing where it starts and stops.

D&O vs. general liability

General liability responds to bodily injury and property damage, like a visitor who slips at your event. D&O responds to financial harm someone says your leaders caused through their decisions. Most organizations need both. See our business insurance overview for the core package.

D&O vs. employment practices liability

Claims from employees, like wrongful termination, discrimination or harassment, are some of the most common claims organizations face. Some D&O policies include employment practices coverage, and others leave it out. If yours doesn't, EPLI fills that gap.

D&O vs. professional liability

If your organization provides a professional service, like counseling or consulting, mistakes in that service fall under professional liability, not D&O. D&O is about how the organization is run.

Claims-made coverage and limits

D&O is usually written on a claims-made basis, which means the policy in force when the claim is made generally responds, subject to its retroactive date. Keep coverage continuous when you switch carriers. And because a commercial umbrella often doesn't extend over D&O, choose a D&O limit that stands on its own. We'll walk through it with you.