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Direct coverage for individual directors and officers, protecting them when indemnification is not available from the company.

Reimburses the company when it indemnifies its directors and officers pursuant to law or contract.

Provides coverage to the company itself when it is named in a suit alongside the directors and officers.

A policy that provides coverage for claims reported during the policy period, regardless of when the wrongful act occurred.

Duty to defend requires the insurer to defend the insured in a legal claim, while duty to indemnify means the insurer must pay the judgment or settlement.

The amount that the insured must pay out-of-pocket before the insurance coverage responds to a claim.

Specific conditions or circumstances for which the D&O policy will not provide coverage.

An endorsement that allows claims to be reported even after the policy has expired, provided the wrongful acts occurred during the policy period.

Provision in D&O policies that addresses coverage continuity in the event of significant changes in company ownership or structure.

The legal expenses, attorney fees, and other costs associated with defending directors and officers against lawsuits.

A provision that ensures the misdeeds or knowledge of one insured do not necessarily affect the coverage available to other insured under the same policy.