Directors & Officers Liability (D&O) Private Companies
		Any company with a board of directors should obtain D&O insurance. It serves to attract and retain qualified board members.
		An insured can include the company (entity coverage), directors, officers, employees and leased employees.
		New policy forms have been developed combining D&O Liability with Employment Practices Liability (EPL) coverage. Employment practices claims are now the most common lawsuits brought against a company’s management.
		Additional coverage options may be available including:
			Amend definition of Insured to include Independent Contractors
			Outside Position Liability for Nonprofit Organizations
			Marital Estate Extension
			Multi-year policies
			Quotation for an Initial Public Offering (IPO)
			Duty to Defend
			Punitive Damages, where insurable by law
			Fiduciary Liability
		Underwriting information required:
			Completed, signed and dated original application
			Latest audited financial statement
			Copy of Bylaws/Articles of Incorporation
			Copy of Employee Handbook and sample employment application