Directors and Officers (D&O) Liability

To protect corporate officers' and board members' personal assets, we work with clients and carriers to review and customize appropriate lines of coverage to meet individual risk profiles. RCM&D works with the following forms of D&O Liability coverage:

Public D&O: Changing regulations have exposed publicly-traded corporations and their boards to increased exposure (e.g. Sarbanes-Oxley Act of 2002, Dodd-Frank legislation, etc.). Personal assets of directors of public companies are at a greater risk than ever before. Our solutions safeguard these assets.

Private D&O: Privately-held companies are often subject to public scrutiny. Employees, shareholders, customers, suppliers and others can initiate legal action against directors and board members.  We assess current coverage and recommend need-appropriate solutions.

Non-Profit D&O: Legal action can also be directed against non-profit organizations and their boards, with litigation being costly and time consuming. In the event of an organization’s insolvency following such litigation, the financial burden may be placed on its directors and officers. We structure Non-Profit D&O policies that are both affordable and comprehensive.

Side-A (DIC): For claims alleging wrongful acts, Side-A provides personal liability coverage to directors and officers when the company is unable to indemnify them legally or financially. Without this coverage, directors’ and officers’ personal assets can be at risk. RCM&D analyzes these exposures to identify and negotiate an optimal program.


Ready to continue the conversation? We’d like to. We are eager to discuss your risk and benefits management challenges, your organizational goals, and your appetite for new solutions based on your unique business needs.