About This Coverage

Insurance that covers exposures faced by directors, officers, managers, and business entities that arise from governance, finance, benefits, and management activities. This type of insurance subsumes directors and officers (D&O) liability insurance, employment practices liability insurance (EPL or EPLI), fiduciary liability insurance and personnel protection insurance (covering losses from kidnap, ransom or extortion). In addition, policies covering only the liability of directors and officers, for claims which are not otherwise covered by traditional D&O policies is available (Side-A). Available products are also frequently distinguished based on the organization type: privately held firms, not-for-profit organizations, and publicly traded companies.

State Eligibility

Eligible State

State Not Available

Industries Available

  • Agriculture

  • Mining

  • Utilities

  • Construction

  • Manufacturing

  • Wholesale Trade

  • Retail Trade

  • Transportation and Warehousing

  • Information

  • Finance and Insurance

  • Real Estate Rental and Leasing

  • Professional, Scientific, and Technical Services

  • Management of Companies and Enterprises

  • Administrative and Support

  • Educational Services

  • Health Care and Social Assistance

  • Arts, Entertainment, and Recreation

  • Accommodation and Food Services

  • Other Services except Public Administration

Coverage Limits

Up To



Key Features


Decisions made by boards and executives have far ranging consequences and implications. Whether serving privately owned companies, not-for-profits or as leaders of publicly traded business, boards and executives are not immune from public scrutiny and can be held personally liable for their management decisions. Shareholders, constituents, employees, customers, suppliers, competitors, and even the government have standing to sue the entity and its board.

  • Not-For-Profit
  • Private Entity
  • Public Entity


    Even the smallest employee dispute can turn into expensive litigation. Spurred by federal legislation, monetary awards for employment-related claims - for harassment, discrimination, wrongful termination, retaliation, defamation, unfair hiring practices, and other workplace torts - are steadily rising, with no end in sight. Employment-related claims can have a serious financial impact on your bottom line. Westchester specifically developed this policy with the EPL exposures of private companies in mind.

    • Coverage for insured persons' spouses and domestic partners for such insured persons' wrongful acts
    • Subject to the applicable aggregate limit of liability, no cap ("hammer") on liability in the event the insured refuses to consent to a recommended settlement
    • Definition of Loss includes punitive, exemplary, and multiplied damages, where permitted by law, in the venue most favorable to the insured
    • Coverage for sold subsidiaries, whether sold before or during the policy period, continues during the policy period for acts committed during time as a subsidiary
    • Bilateral extended reporting period; any insured has right to purchase
    • Coverage is fully non-rescindable


      Coverage is designed to assist companies and families with the financial and emotional burdens of such events, and to ensure the victims' safety above all else. Helping secure the safe release of the victims is not where coverage ends. After an incident of kidnapping, extortion or detention, reimbursement is available for legal and medical expenses, reward monies, interest on loans, travel accommodations, security guards, and a myriad of other expenses.

      • NA

      SIDE-A D&O

        A Side-A Directors and Officers Liability Insurance policy offers broad protection for individual Directors and Officers for Non-Indemnifiable Claims, typically with expansive coverage and difference-in-conditions (DIC) enhancements.

        • Private Entity
        • Public Entity

        Preferred Classes


        • Not-For-Profit
        • Private Entity
        • Public Entity


        • Educational Institutions
        • Financial Institutions
        • High Net Worth Individuals
        • Hospitals
        • Law Firms
        • Municipalities
        • Natural Resources Industry
        • NGO Humanitarian and Development Orgs
        • Professional Athletes
        • Tech Firms

        SIDE-A D&O

        • Private Entity
        • Public Entity

        Restricted Classes

        Eligible Vehicle Types



        Vans & PPVs

        Liability Coverages

        Underwriting Guidelines

        Additional Coverage Options

        Submission Requirements

        • Company Application fully completed and signed
        • Entity financials (most recent year and interim)
        • 3-5 Years of Loss Runs
        • Send submissions to quotes@ospreyuw.com