D&O Insurance That Protects Your Leadership Team
One shareholder lawsuit, one employment dispute, one regulatory investigation could hold your directors and officers personally liable for millions. D&O insurance ensures your leadership can make tough decisions without risking their personal assets. Stanley Insurance Group helps Ohio businesses find comprehensive D&O coverage from leading carriers.
Protect the People Who Protect Your Business
Your directors and officers make critical decisions every day. Those decisions can lead to lawsuits claiming mismanagement, breach of duty, or wrongful acts. Without D&O insurance, they're personally liable, putting their homes, savings, and future at risk. As an independent agency, we help business owners like you find directors and officers liability insurance that covers legal defense, settlements, and personal asset protection. Take 5 minutes to get your free quote and ensure your leadership team can lead without fear.
Insurance Policies Tailored to Your Needs and Budget
What Directors and Officers Insurance Generally Covers
D&O insurance protects your company's directors, officers, and executives from personal liability when they're sued for actual or alleged wrongful acts in their leadership roles. Coverage includes defense costs for lawsuits alleging mismanagement or breach of fiduciary duty, claims from shareholders, employees, customers, or competitors, regulatory investigations and government proceedings, employment practices violations like wrongful termination or discrimination, and personal asset protection when individuals are named in lawsuits. Most policies have three coverage parts: Side A covers individuals when the company can't indemnify them, Side B reimburses the company when it indemnifies directors and officers, and Side C covers the corporate entity itself in securities claims. Our experienced agents help you structure appropriate coverage based on your company size, ownership structure, and industry risks.
We Offer Additional Coverage Options
While D&O insurance protects your leadership, your business needs comprehensive coverage against all liability exposures. That's why we offer additional plans, including employment practices liability insurance for HR-related claims, fiduciary liability for retirement plan management, general liability for third-party injuries and property damage, and cyber liability for data breaches that could trigger D&O claims.
Additional Insurance Options
- Employment Practices Liability
- Fiduciary Liability
- Professional Liability
- General Liability
- Cyber Liability
- Business Owners Policy
- Commercial Umbrella
Start Saving in Minutes
With 4 Easy Steps to Better Coverage & Savings
Share Your Business Insurance Needs
Tell us about your business - it takes just 5 minutes online or by phone.
Get Multiple Quotes
We'll compare rates from top-rated carriers to find your best savings.
Choose Coverage & Save
Select your preferred coverage and start protecting your business today.
Enjoy the Peace of Mind
Get immediate coverage with no waiting period.
Why Ohio Businesses Choose Stanley Insurance Group
Join hundreds of satisfied business clients who trust us for comprehensive D&O protection at competitive rates. Our Google rating and A+ BBB score reflect our commitment to protecting Ohio businesses.
We Maximize Your D&O Coverage
Most Ohio business owners don't realize they can structure D&O coverage to protect leadership while managing costs.
You can SAVE up to:
- 25% with strong governance practices
- 20% by bundling with other management liability policies
- 15% with employment practices training
- 10% for claims-free history
Let our team find every discount you qualify for or check out our blog for more ways to protect your business.
Get Answers About D&O Insurance
Expert answers to help you understand D&O coverage and protect your leadership team
Any company with a board of directors, officers, or executives needs D&O insurance. This includes corporations, nonprofits, private companies, and public companies. Even small businesses with outside investors, board advisors, or plans to grow should carry D&O coverage. The question isn't whether you'll be sued, it's whether your leadership will be personally protected when it happens.
General liability covers third-party bodily injury and property damage to your business. D&O insurance protects individuals (directors and officers) from personal liability for their management decisions and actions. If someone slips in your office, that's general liability. If shareholders sue your CEO for mismanagement, that's D&O. Most businesses need both.
Costs vary widely based on your company size, industry, revenue, ownership structure, and whether you're public or private. Small private companies often pay $1,000-$3,000 annually for basic coverage. Mid-sized companies typically pay $3,000-$10,000. Public companies and high-risk industries pay significantly more. We'll get you accurate quotes based on your specific business profile.
D&O policies typically include three coverage parts. Side A covers individuals when the company can't indemnify them. Side B reimburses the company when it does indemnify directors and officers. Side C (Entity Coverage) protects the company itself in securities claims. Most policies include all three, but coverage varies, so it's critical to understand what you're buying.
Probably not. Qualified directors and officers won't serve on your board without D&O protection. The personal liability risk is simply too high. D&O insurance isn't just about protecting current leadership, it's about being able to recruit and retain talented people who can help your business grow.
Our Carrier Partners
Talk to Our Agents About D&O Protection Today
Take 5 minutes to see how you can protect your leadership team. Our insurance experts are ready to find you comprehensive D&O coverage that lets your directors and officers lead with confidence. Don't wait - protect the people who drive your success.
