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  <url>
    <loc>https://dandopolicies.com/</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://dandopolicies.com/assets/og-card.png</image:loc>
      <image:title>D&amp;O Policies — Management Liability Insurance</image:title>
      <image:caption>Independent management liability brokerage. D&amp;O, EPLI, Fiduciary, Cyber, Crime, E&amp;O, and K&amp;R in 50 states, Puerto Rico, and the USVI.</image:caption>
    </image:image>
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  <url>
    <loc>https://dandopolicies.com/about.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://dandopolicies.com/contact.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://dandopolicies.com/coverages/directors-and-officers.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
    <image:image>
      <image:loc>https://dandopolicies.com/assets/og-card.png</image:loc>
      <image:title>Directors &amp; Officers Liability Insurance</image:title>
      <image:caption>Side A, B, C, and Side A DIC D&amp;O coverage from admitted and surplus markets for public, private, and nonprofit organizations.</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://dandopolicies.com/coverages/employment-practices.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://dandopolicies.com/assets/og-card.png</image:loc>
      <image:title>Employment Practices Liability Insurance (EPLI)</image:title>
      <image:caption>EPLI coverage for wrongful termination, harassment, discrimination across the eleven EEOC classes, retaliation, wage-and-hour, and third-party claims.</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://dandopolicies.com/coverages/fiduciary-liability.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://dandopolicies.com/assets/og-card.png</image:loc>
      <image:title>Fiduciary Liability &amp; ERISA Fidelity Bonds</image:title>
      <image:caption>Fiduciary liability for ERISA plan trustees plus mandatory Section 412 fidelity bonds.</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://dandopolicies.com/coverages/cyber-liability.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://dandopolicies.com/assets/og-card.png</image:loc>
      <image:title>Cyber Liability Insurance</image:title>
      <image:caption>Cyber liability covering ransomware, data breaches, social engineering, business interruption, and regulatory defense — first and third party, worldwide.</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://dandopolicies.com/coverages/crime-fidelity.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://dandopolicies.com/assets/og-card.png</image:loc>
      <image:title>Commercial Crime Insurance &amp; Fidelity Bonds</image:title>
      <image:caption>Employee theft, forgery, computer fraud, funds transfer fraud, social engineering, and ERISA bond coverage.</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://dandopolicies.com/coverages/professional-liability.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://dandopolicies.com/assets/og-card.png</image:loc>
      <image:title>Professional Liability / Errors &amp; Omissions Insurance</image:title>
      <image:caption>E&amp;O insurance for technology, consultants, advisors, design professionals, accountants, and licensed firms.</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://dandopolicies.com/coverages/kidnap-and-ransom.html</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <image:image>
      <image:loc>https://dandopolicies.com/assets/og-card.png</image:loc>
      <image:title>Kidnap &amp; Ransom Insurance (K&amp;R)</image:title>
      <image:caption>K&amp;R insurance covering ransom, crisis response, extortion, wrongful detention, hijacking, and evacuation. 24/7 response firm included.</image:caption>
    </image:image>
  </url>

  <!-- Application PDFs -->
  <url>
    <loc>https://dandopolicies.com/docs/liability-coverages-nonprofit.pdf</loc>
    <lastmod>2025-05-26</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/liability-coverages-private.pdf</loc>
    <lastmod>2025-05-26</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/liability-coverages-public.pdf</loc>
    <lastmod>2025-05-26</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/erisa-bond-application.pdf</loc>
    <lastmod>2026-05-27</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/erisa-bond-application_espanol.pdf</loc>
    <lastmod>2026-05-27</lastmod>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/erisa-bond-application-nonstandard.pdf</loc>
    <lastmod>2026-05-27</lastmod>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/fiduciary-liability-application.pdf</loc>
    <lastmod>2026-05-28</lastmod>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/fidelity-bond-application.pdf</loc>
    <lastmod>2026-05-27</lastmod>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/eando-application.pdf</loc>
    <lastmod>2026-05-27</lastmod>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/epl-application.pdf</loc>
    <lastmod>2026-05-28</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/kidnap-ransom-application.pdf</loc>
    <lastmod>2026-05-27</lastmod>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://dandopolicies.com/docs/cyberrisk-coverage-app.pdf</loc>
    <lastmod>2026-05-28</lastmod>
    <priority>0.6</priority>
  </url>

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