Directors & Officers Liability Insurance


Attracting directors and officers can be a liability if they feel their personal assets are at stake for lawsuits resulting from their corporate duties. Worldwide Facilities offers some of the broadest D&O insurance protection available.

D&O Liability White Paper  Management Liability White Paper


  • D&O Blended with EPLI & Fiduciary
  • Liability (Management Liability)
  • Excess On All Lines
  • Fiduciary Liability
  • General Partnership Liability
  • Individual Director Liability
  • Intellectual Property
  • Initial Public Offering (IPO) Insurance
  • Kidnap & Ransom
  • Private Equity/Venture Capital Liability
  • Privately-Held Company D&O
  • Public Company Directors & Officers Liability
  • Non-Indemnifiable Claim Coverage


  • Bankruptcy Distressed
  • Companies Doing a Reverse Merger into a Public Shell
  • Financial Institutions
  • For-Profit Entities (All Industry Groups)
  • General/Limited Partnerships
  • Initial Public Offerings (IPOs)
  • Limited Liability Companies (LLC)
  • Not-For-Profit Entities (501(c)3)
  • Publicly-Held Companies
  • Privately-Held Companies
  • REITs


  • Full severability between directors, officers and company on all policy exclusions & applications
  • 100% entity coverage on ALL securities claims (no coinsurance for securities claims)
  • Side A Extensions
  • All employees covered in securities claims
  • Waiver of Retention in a securities claim upon finding of no liability
  • Coverage extensions to non-directors and officers with the potential to be named in a D&O suit (e.g. Controller, H/R Manager)
  • Punitive & exemplary damages against the company covered in a securities claim
  • Express entity coverage for civil litigation claims brought by the SEC if in connection with purchase or sale of securities of the company
  • Definition of securities claim to include coverage for all mergers/ acquisitions, proxy contests, & other shareholder claims
  • Flexible pollution exclusion alternatives such as carve-outs providing coverage for securities holder class & derivative actions
  • Automatic coverage for newly created or acquired subsidiaries that are less than 25% of total assets
  • Optional automatic coverage for directors & officers serving on outside non-profit boards
  • Definition of claim to expressly include arbitration proceedings against insureds
  • Very narrow insured versus insured exclusion
  • Advancement of all defense costs
  • Pay On Behalf wording in lieu of indemnification language
  • Bilateral discovery


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