Side A coverage provides the most critical protection by directly covering directors and officers when your company cannot indemnify them. This coverage becomes essential during bankruptcy scenarios or when legal restrictions prevent corporate indemnification. Side A protection ensures personal assets remain shielded even when other safety nets fail.

Side B coverage reimburses your organization when it indemnifies directors and officers for covered claims. This liability coverage protects your company's balance sheet while fulfilling indemnification obligations, ensuring corporate governance responsibilities don't drain organizational resources.

Side C coverage extends protection to the corporation itself, particularly crucial for securities litigation and corporate-level challenges. This entity coverage becomes especially important when both the organization and its leadership face coordinated legal action.

D&O insurance shields personal homes, savings, investments, and retirement funds from business-related lawsuits. Without proper coverage limits, directors and officers face direct personal liability for legal defense costs, settlements, and judgments.

Quality executives often require D&O coverage before accepting board positions. If you want to attract and retain qualified directors, D&O coverage will protect those who might otherwise be reluctant to put their personal assets at risk.

D&O policies cover expensive legal defense costs, investigation expenses, and regulatory compliance costs that can exceed settlement amounts. These costs begin accumulating immediately when claims are filed.

With the SEC filing 26% fewer enforcement actions in fiscal year ending September 2024 than in FY 2023 – 583 in FY 2024 versus 784 in FY 2023, regulatory scrutiny remains significant. D&O insurance covers defense costs for SEC investigations, state regulatory proceedings, and compliance violations.

We secure proposals from multiple A-rated insurance carriers, comparing coverage features, policy limits, and pricing to find your optimal risk management solution.

We tailor coverage to your exact needs, explaining policy terms in clear language. No confusing insurance jargon – just comprehensive protection you can understand.

Our relationship continues after policy binding. We advocate for you during claims processes and provide ongoing coverage reviews as your business evolves.

D&O insurance costs vary based on company size, industry risk, claims history, and coverage limits. Small businesses typically pay $4,000-$20,000 annually, while larger corporations may pay $25,000-$75,000 depending on revenue and risk factors. The Allen Thomas Group provides transparent cost analysis tailored to your specific needs.

Yes, small businesses with corporate boards or advisory committees should strongly consider D&O insurance. Your company does not have to post revenues in the tens of millions of dollars for your directors and officers to be personally sued over their management of company affairs.

Most D&O policies can be quoted within 24-48 hours and bound within 5-7 business days. The Allen Thomas Group expedites the process by gathering your information upfront and working directly with underwriters.

General liability policies specifically exclude coverage for directors, board members, and officers' responsibilities. D&O insurance fills this critical gap by providing specialized coverage for management decisions and corporate governance matters that general liability doesn't address.

Yes, most D&O policies include coverage for former directors and officers, providing lasting protection for past leadership decisions. This "tail coverage" ensures retired executives remain protected for decisions made during their tenure.