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.
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
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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.
"Any time I have any questions about insurance, I know I can call the people here and get an honest answer!"
"Got referal this place from a friend. Asked for a few quotes and they gave me best deals in town. Ethan helped me out though the process. He is knowledgable, responsive, and very helpful. Ended up with 3 cars and 2 houses insurance. Happy customers."
"I've been insured by the company for few years and the service is exceptional! Having a contact that can help explain my coverage and answer questions really makes a difference. Most recently, I've worked with Kaisen to update my policy due to a move, he was awesome!"
"Ethan was a lifesaver when it came to our insurance needs. He took the time to review our current policies and found several areas where we could save money without sacrificing coverage. His expertise and attention to detail were truly impressive."
"Brandon and his staff are friendly, professional and knowledgeable. They offer a lot of insurance carriers and products to help you find the best option given your price point and coverage needs. They've been there for a long time also so the trust factor should be there."
"Dealing with Stanley Insurance Group was a great experience, especially Chase, who helped me get new coverage for my home and auto. He took a lot of time to answer all my questions and he made sure to follow up with any concerns I had. I highly recommend Chase because he definitely went the extra mile for me."
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.
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.
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