• D & O Policy Center

    Welcome to DandOPolicies.com, national provider of directors and officers liability insurance and related coverages. On this site you will find the appropriate application materials for requesting a D&O quote and policy terms. If you don't find what you are looking for, contact us for support.

    DandOPolicies.com is a Poindexter Surety Group platform, . . . writing on both an admitted and surplus lines basis.

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Our Services

Good customer service means having thorough knowledge of one's insurance product, proficiency in matching an insured with the appropriate coverages, and being able to do so in a friendly, helpful way. At the end of the day, we hope to have be able to help you make the best choice of insurance coverage, surety bond or fidelity bond. That is our entire reason for being here!

Directors & Officers Insurance

Protects these individuals against losses that may result from alleged errors in judgement, breaches of duty, or wrongful acts in the course of employment.

We offer this protection so that competent professionals can lead organizations without fear of personal financial loss. Our carriers offer traditional Side A, B, C and Side A-DIC forms and often broaden them in keeping with changes in case law and legislation. We have a solution for ALL applicants regardless of business class. "D&O" can be purchased as a stand-alone policy or as part of a package of management liability coverages.

Employment Practices Liability Insurance

Generally Employment Practices Liability Insurance provides coverage for wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations. "Discrimination" is defined by the Equal Employment Opportunity Commission recognizes as being one of eleven types, i.e., age, disability, equal pay/compensation, genetic information, national origin, pregnancy, race/color, religion, retaliation, sex, and sexual harassment. We offer EPL on a stand alone basis or in combination with a suite of other professional liability insurance coverages.

Call (800) 373-2804 for Application

Fiduciary Liability Insurance Polices

These policies provide excellent financial protection of fiduciaries of employee benefit plans. The coverage protects against those legal liabilities arising out of their role as fiduciaries, including the cost of defending those claims that seek to enforce said liability. Because the mandatory "fidelity bond" required under ERISA does not protect the trustees themselves from liability claims, it is important to have fiduciary liability insurance to fill this gap.

Call (800) 373-2804 for Application

The applications below are included for your convenience as most fiduciary liability policy purchasers also need them. We offer ERISA fidelity bonds for every type of plan. ESOPs, Labor unions/multi-employer plans, and plans with non-qualifying assets are not a problem for our. Further, standard surety markets are usually unwilling to make ERISA bonds retroactive because it requires the surety company to assume liabilities that predate underwriting and premium receipt. Under our special program relationship, we can provide retroactive fidelity coverage.

Call (800) 373-2804 for Application

Kidnap & Ransom

Our carrier's kidnap and ransom policy affords the insured reasonable indemnity for business losses associated with kidnapping, hostage and extortion of the principal, his or her family and employees. The policy also provides protection from cyber-extortion and intellectual property losses associated with similar acts.

Call (800) 373-2804 for Application

Fidelity Bonds / Commercial Crime Policy

A fidelity bond, also known as a commercial crime policy is a form of insurance that covers losses to a business operation resulting from the fraudulent acts of specified individuals. Generally, the form insures a business for losses caused by the dishonest acts of its employees however the form can be broadened and can be written as a "third party fidelity bond" to protect only third parties. A standard fidelity policy was designed to reimburse loss of company monies, securities, and other property however computer theft, disappearance, fraud, forgery, etc., are now elements of our more modern and "enhanced" policies.

Fidelity / Crime Coverages

Call (800) 373-2804 for Application

Supplemental Questionnaires

Call (800) 373-2804 for Application

Professional Liability Insurance

Errors and Ommissions (E&O Insurance)

Professional liability insurance, "PLI" or "PII" is a type of liability insurance that provides a level of protection to individuals and companies that provide professional services and advice. The policy affords protection to the covered when defending against a negligence claim made by a client and the damages awarded in such a civil lawsuit. The policy focuses on the provider's failure to perform and/or error or omission in the service or product sold by the policyholder. This class of insurance is also often referred to as "errors and omissions insuanace" or "E&O". We offer these policies on a stand alone basis or in combination with other management liability products.

Call (800) 373-2804 for Application

Cyber Risk

Our CyberRisk policy covers both first and third party exposures, anywhere in the world, including E-commerce extortion, network and information security, business interruption and the legal expenses incurred in litigation of the covered occurrences.

For more information on cyber risk policies visit our site CyberRiskPolicy.com

about us

Although our site name implies that we focus on director's and officer's insurance, in reality we offer a broad suite of management liability coverages to public, private and non-profit enterprises. Each policy can be enhanced to cover special risks OR provided as a "stand alone" coverage to supplement your current insurance program. Crime (general employee dishonesty and third party fidelity), Kidnap and Ransom,  EPL  which protects against claims alleging wrongful acts relating to employment practices, fiduciary responsibility and other breaches of duty on behalf of directors, officers and managers of an enterprise are all available here. Our policies contain easy to understand language, terms and conditions making your policy building more efficient.

"How many "tomorrows" do you think you have? Life is too short to do business with people that you don't enjoy doing business with."

- C. Poindexter

contact us

We'd love to hear from you, so why not send us an email or pick up the phone for a quick chat.

call us

+1 800 373-2804
+1 919 859-5294


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5 West Hargett St. STE 400 Raleigh, NC 27601