Directors & officers insurance that protects your leadership.
Whether you're serving on a nonprofit board or managing a growing business, leadership comes with liability. Directors & Officers (D&O) insurance helps protect you and your fellow decision-makers from personal financial risk tied to your professional role. We help organizations across Minnesota, Iowa, and Wisconsin safeguard their leadership teams with clear, reliable coverage.
What does D&O insurance cover?
Management Liability
Covers claims related to decisions made by board members, executives, or officers that result in financial loss or legal action.
- Breach of fiduciary duty
- Misuse of funds or mismanagement
- Employment practices and HR-related claims
Defense Costs
Pays for legal expenses—even if the claim turns out to be baseless. These can quickly add up, even in small disputes.
- Attorney fees
- Court costs and settlements
- Investigative expenses
Personal Asset Protection
D&O insurance protects the personal assets of directors and officers if they’re sued in connection with their organizational role.
- Individual financial protection
- Family asset safeguarding
- Business continuity security
Coverage for Volunteers and Past Officers
Many policies extend protection to former board members and volunteers, ensuring broader coverage for your organization.
- Past and present leadership
- Advisory board members
- Committee chairs and volunteers
Common questions about D&O insurance.
Is D&O insurance only for large companies?
Not at all. Nonprofits, startups, and small businesses all benefit from D&O coverage—anywhere decisions are made, liability exists.
Doesn’t general liability cover this?
No—general liability covers bodily injury or property damage. D&O covers management decisions, financial oversight, and internal disputes.
Who is covered under a D&O policy?
Policies typically cover directors, officers, and sometimes employees, volunteers, and committee members—depending on how the policy is written.
How do I know if our board needs this?
Learn MoreIf your board makes decisions that affect finances, hiring, or governance—you need D&O insurance. We’ll help you find the right fit.
