Markets

As the directors & officers (D&O) market shifts from soft to hard, it is a prime time for independent agents to identify emerging trends and changing exposures for their clients.

While D&O and cyber liability policies offer distinct coverage differences, many companies mistakenly believe they do not require separate policies.

Nonprofit organizations face many of the same legal exposures as for-profit organizations, including conflicts of interest, breach of fiduciary duty and theft.

While the soft D&O market continued through 2024, insurers are starting to approach underwriting with a more cautious lens.

Directors & officers insurance is the best tool for nonprofits to protect volunteers against unforeseen allegations of harm.

Favorable loss ratios and an unprecedented decline in initial public offering (IPO) activity led to the softening of the directors & officers market, but signs point to impending changes.

Coalition’s Executive Risks Insurance Designed for Not-for-Profits offers coverage including directors & officers, employment practices liability insurance, fiduciary liability and crime insurance.

Beazley’s directors & officers product has been redesigned and drafted with clear, concise and modern policy language.

“Directors & officers insurance is the only policy that can adequately protect board actions,” says independent agent William Simons. “The decisions and actions board members take are their personal responsibility.”

Your commercial clients could be leaving a huge risk exposed if they don’t reckon with diversity, equity and inclusion (DE&I).