We began placing directors and officers liability in an era when the market for it was, frankly, smaller and more clubbable. Public-company D&O moved by relationship, private-company D&O was barely a category, and most nonprofits had never heard of it. Three decades later the lines have multiplied — Side A DIC, entity investigations, third-party EPL, social engineering, ransomware response, kidnap-and-ransom — but the way we work has not. We read the policy. We read the endorsements. We tell you what the policy actually says it will do.
The Poindexter Surety Group platform
D&O Policies operates as a specialty platform of Poindexter Surety Group, an independent surety and insurance brokerage. The parent firm places commercial surety, contract bonds, and a full range of specialty liability lines for clients across all 50 states, Puerto Rico, and the U.S. Virgin Islands. Our sister platforms CyberRiskPolicy.com and ERISA-Bonds.com handle dedicated cyber risk and ERISA bond placements respectively. Splitting the work this way lets specialists go deep. A management liability claim is not a general liability claim, and an experienced D&O broker is not interchangeable with one who places auto and property.
How we work
Three working principles have not changed since the firm opened:
Senior people, all the way through. The broker who quotes your account is the broker who places it, services it, and answers the phone when a claim comes in. We do not pass you down a chain.
Independent advice. We are not a captive agency. We place admitted-market business with large national and international carriers that carry superlative AM Best ratings. We place surplus-lines business with London markets and appropriate excess and surplus carriers when the risk so requires it. The carrier serves the policy. We serve the client.
Plain reading of the policy. Management liability policies are full of moving parts — order-of-payments clauses, hammer clauses, allocation, presumptive indemnification, conduct exclusions, insured-versus-insured carve-outs, prior-and-pending litigation dates. We read every one of them and we tell you, before binding, what your tower will actually do under stress.
Where we work from
Raleigh, North Carolina; San Juan, Puerto Rico; and Santo Domingo, República Dominicana. We service accounts nationwide and beyond. Visit, call, or write — all of it reaches the same professionals.
What we place
The full management and professional liability stack: Directors & Officers liability (public, private, nonprofit), Employment Practices Liability, Fiduciary Liability and ERISA bonds, Cyber Liability, Crime and Fidelity, Professional Liability and Errors & Omissions, and Kidnap and Ransom. Most clients buy a tower across two or more of these lines; we structure them so the towers actually fit together.