Tailored D&O insurance for what you need–and expect

Protecting firms and top-level executives against complex and evolving risks.

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Directors & Officers Insurance For Public and Private Companies

D&O insurance is one of the most complicated insurance lines on the market, with a wide variation in coverage terms, different policy provisions in accessing defense coverage, and how corporate changes may impact an insured’s policy rights.

The experience and professional bench strength at Oakwood D&O Insurance Brokers assure clients that we will design a policy that fits your needs and continually evaluate those needs and the responsiveness of your coverage.

We are industry-agnostic, providing D&O solutions for all types of public and private companies, including IPOs, SPACs, and cryptocurrency markets globally.

Our services include:

Comprehensive Coverage & Financial Analysis
Litigation Support and Guidance for Operational Changes
M&A Insurance for Due Diligence
Claims Management
& Support

We only place clients with top-tier carriers that are exceptionally responsive in the event of a claim. Our Claims Services unit prides itself on speed, efficient consultative guidance, and claims resolution advocacy.


Inside D&O Insurance

D&O insurance can be designed to provide financial protection for top-level executives against the consequences of actual or alleged “wrongful acts.” Defense costs and financial losses when a client is found liable are covered for perils insured under the policy.

Coverage is typically for current, future, and past directors and officers of a company and its subsidiaries. Protection for the entity itself can also be purchased.

Shareholders, investors, creditors, banks, supervisory boards, the company itself, employees, regulators, customers, vendors, and competitors can file claims against the directors and officers.

Covered wrongful acts include:

  • Breaches of fiduciary duties
  • Shareholder actions
  • Reporting errors
  • Inaccurate or inadequate disclosure
  • Prospectus misrepresentation
  • Non-compliance with regulations or laws
  • Creditor claims
  • Competitor claims
  • Employment practices

As part of a comprehensive coverage analysis, Oakwood will review how much coverage you should carry, what and who should or shouldn’t be covered, and risk management practices that will help protect officers from today’s risks.

D&O Structure: A, B, & C

The structure of a D&O insurance policy depends on which of the three insuring agreements are purchased.

Side A

Insured: Individual officers

Risk: His/Her personal assets

Protects assets of individual directors and officers for claims where the company is not financially able to indemnify, with a $0 deductible

Side B

Insured: Company

Risk: Corporate assets

Reimburses private company to the extent that it grants indemnification and advances legal fees on behalf of directors / officers, with a deductible

Side C

Insured: Company

Risk: Corporate assets

Extends cover for public companies (the entity, not individuals) for securities claims only, with a deductible

When a public company purchased a private firm, we were able to provide significant savings to each party by securing a policy with a look-back provision that covered both the old board and the team moving forward.

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D&O Insurance Experts