National Management Liability Specialist · Since 2003
Protection for the people who lead organizations.
D&O Policies is a nationwide provider of directors and officers liability insurance, serving all 50 states, Puerto Rico, and the U.S. Virgin Islands, and the full suite of management liability coverages — placed on both an admitted and surplus lines basis for public, private, and nonprofit enterprises.
The Coverages
Seven specialized lines under one roof.
Every policy here is built for the way modern organizations actually face risk — boardroom decisions, employment matters, fiduciary duty, cyber events, criminal conduct, professional services, and threats to people. Each coverage is available stand-alone or as part of a management liability suite.
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01 / D&O
Directors & Officers Liability
Protects directors and officers personally — and the corporate balance sheet — against claims of wrongful acts, errors in judgment, and breaches of duty. Side A, B, C and Side A-DIC available for public, private, and nonprofit organizations.
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02 / EPL
Employment Practices Liability
Defense and indemnity for wrongful termination, harassment, discrimination across all eleven EEOC-recognized classes, retaliation, wage-and-hour, and related employment claims — third-party EPL options available.
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03 / Fiduciary
Fiduciary Liability & ERISA Bonds
Personal protection for plan trustees against breach-of-duty claims, paired with mandatory ERISA fidelity bonds — including hard-to-place ESOPs, multi-employer plans, plans with non-qualifying assets, and retroactive coverage.
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04 / Cyber
Cyber Risk & Privacy Liability
First- and third-party coverage worldwide for network security failures, privacy breaches, e-commerce extortion, business interruption, ransomware, social engineering fraud, and regulatory defense.
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05 / Crime
Commercial Crime & Fidelity
Enhanced commercial crime forms covering employee dishonesty, computer fraud, funds transfer fraud, forgery, social engineering, and third-party fidelity exposures — for businesses of every size.
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06 / E&O
Professional Liability & E&O
Errors and omissions protection for professional service providers — covering negligence allegations, failure to perform, and the legal expense of defending civil suits arising from professional services delivered.
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07 / K&R
Kidnap & Ransom
Indemnity and response services for kidnapping, hostage events, and extortion affecting principals, families, and employees — extended to cover cyber-extortion and intellectual-property extortion.
How we work
A specialist's approach to a specialist's market.
Both market types.
We place coverage on an admitted basis where available and on surplus lines where the risk demands it — meaning we have a solution for every applicant regardless of class.
Plain-English forms.
Our carriers' policy wordings are continuously broadened in step with case law and legislation, written in language a board can actually read without a lawyer at the table.
All three sectors.
Publicly traded, privately held, and nonprofit organizations are all underwritten here — each on the application form built specifically for that sector's exposure profile.
Hard-to-place welcomed.
ESOPs, multi-employer plans, plans with non-qualifying assets, retroactive ERISA bond requests — exposures other markets decline often find a home in our specialty programs.
Insurance is bought from a carrier, but it is never really sold by one. It is sold by a person that you trust to pick up the phone in a crisis, and that knows what to do when it happens.
— C. Constantin Poindexter, FounderFrequently asked
Plain answers to common questions.
What is Directors and Officers (D&O) liability insurance?
Directors and Officers liability insurance protects individuals serving as directors or officers from personal financial loss arising from claims that allege wrongful acts, errors in judgment, or breaches of duty performed in the course of their corporate role.
Standard D&O policies are structured around three insuring agreements. Side A covers non-indemnifiable loss paid directly to individual insureds when the company cannot or will not indemnify them. Side B reimburses the company for indemnification payments made to directors and officers. Side C provides entity-level coverage for securities claims against the organization itself. A Side A Difference-in-Conditions policy sits excess and broadens protection where the underlying D&O fails or is exhausted.
Who actually needs Employment Practices Liability Insurance?
Any organization that employs people. EPL covers wrongful termination, sexual harassment, discrimination, retaliation, invasion of privacy, false imprisonment, breach of employment contract, emotional distress, and wage-and-hour violations. The Equal Employment Opportunity Commission recognizes eleven categories of discrimination — age, disability, equal pay, genetic information, national origin, pregnancy, race or color, religion, retaliation, sex, and sexual harassment — and EPL responds across all of them.
Is an ERISA fidelity bond the same as fiduciary liability insurance?
No — they are two different products that often go together. The ERISA fidelity bond is mandatory under federal law and protects the employee benefit plan itself from losses caused by fraud or dishonesty of persons who handle plan funds. Fiduciary liability insurance is voluntary and protects the personal assets of the plan trustees and fiduciaries against claims alleging breach of fiduciary duty. Most well-run plans carry both.
Can coverages be purchased individually, or only as a package?
Both. Every coverage we write is available stand-alone to supplement an existing program, or combined into a management liability suite. Packaged programs typically bundle D&O, EPL, and Fiduciary at minimum, with optional Crime, Cyber, K&R, and Professional Liability extensions.
What is the difference between admitted and surplus lines coverage?
Admitted carriers are licensed by the state insurance department; their policies are backed by state guaranty funds and follow rate-and-form filings approved by the regulator. Surplus lines (non-admitted) carriers are authorized to write coverage admitted markets decline — typically higher-hazard or unusual exposures — and offer broader, more flexible forms in exchange for being outside the guaranty fund system. We write on both bases.
How do I get a quote?
Two options. The fastest is a phone call to (800) 373-2804 — we can usually identify the right application within five minutes. The alternative is to download the application that matches your sector (public, private, nonprofit, or specific to a line of coverage) from the relevant coverage page, complete it, and return it to us. Most quotes turn around within three business days of receipt of a complete submission.
Speak to an underwriter
Tell us what you're protecting.
Most submissions begin with a five-minute conversation. We will tell you which application you actually need, what to expect on price, and where the form will need broadening for your particular exposure.