Directors and Officers Insurance (D&O)
Directors and Officers Insurance from Katryx Insurance protects your business leaders — including board members, executives, and key decision-makers — from personal liability resulting from decisions made on behalf of your company.
Why Choose Katryx Insurance for Your Directors and Officers Coverage?
Expert Guidance in Complex Risk Management
Directors and Officers Insurance is specialized. Our experienced advisors understand the nuances of D&O coverage and will help you assess exposure, tailor policy options, and secure a plan that matches your organization’s unique risk profile.
Fast, Responsive Service
From policy quotes to claims support, we provide prompt, attentive service when you need it most. Our team is here to answer your questions, simplify complex terms, and guide you every step of the way.
Personalized Coverage, Competitive Rates
We don’t believe in one-size-fits-all insurance. Each policy is designed with your business goals and risk factors in mind — all while providing competitive pricing and peace of mind.
Types of Directors and Officers Insurance
Directors and Officers Insurance can be structured in different ways to address specific risk exposures. Common forms of coverage include:
Side A Coverage
Protects individual directors and officers when the company cannot reimburse them for claims. This is critical when a company is financially unable to indemnify its leaders.
Side B Coverage
Reimburses the company if it pays defense costs or settlements on behalf of its directors and officers.
Side C Coverage (Entity Coverage)
Provides protection for the company itself when it is named in a lawsuit alongside its directors or officers — typically relevant in securities or shareholder actions.
Employment Practices Liability
Covers claims related to employment practices such as discrimination, wrongful termination, or harassment.
Fiduciary Liability Coverage
Protects against claims arising from breaches of fiduciary duty, including mismanagement of employee benefit plans or failure to act in the best interests of stakeholders.
Frequently Asked Questions
What is Directors and Officers Insurance?
Directors and Officers (D&O) Insurance protects corporate leaders from personal financial loss if they are sued for wrongful acts in their managerial role. Coverage typically includes legal defense costs, settlements, and certain damages related to covered claims.
Who needs D&O insurance?
Any business with directors, officers, or key executives — whether private, public, or non-profit — can benefit from D&O coverage. It’s especially important for growing companies, boards with multiple stakeholders, and organizations seeking investor confidence.
What does D&O insurance cover?
It covers claims alleging wrongful acts such as breach of fiduciary duty, mismanagement, errors in judgment, or failure to comply with regulations. Note: standard D&O policies generally do not cover bodily injury or property damage claims.
Does this insurance protect the company too?
Yes — depending on the policy structure. Side B and Side C coverage extend protection to the company itself in indemnifying directors or being named in a claim.
How much does it cost?
Premiums depend on company size, industry risk, claims history, coverage limits, and other factors. We’ll help you evaluate options that fit your budget and risk tolerance.
How do I get D&O insurance?
Contact Katryx Insurance for a full assessment. Our advisors will review your risks, walk you through coverage options, and help you secure a tailored policy.
Protect Your Leadership Today
Don’t let legal claims threaten your company’s future or your leaders’ peace of mind.
Get a personalized quote from Katryx Insurance and ensure your directors and officers have the protection they deserve.