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Directors & Officers Insurance from Cal-Nevada Insurance Agency

At Cal-Nevada Insurance Agency, our business insurance clients throughout San Francisco and the northern California, Arizona and Las Vegas, Nevada areas are leaders in more than just their own businesses. Many also serve on boards of directors outside their own companies. For protection against allegations they have failed in their oversight duties, we provide top-quality directors and officers liability insurance.

We Cover Organizations and Individuals

Our directors and officers insurance (D&O) is available to privately and publicly held companies, nonprofits and associations. By reviewing your bylaws, organizational structure and activities with you, we can find options in D&O coverage that will best meet your needs.

Insurers offer multiple types of policies, each responding to a different risk:

  • Side A coverage insures individual directors and officers’ personal assets.
  • Side B coverage reimburses the company for costs it incurs when indemnifying its directors and officers in a claim
  • Side C coverage protects the company itself when it is named as a defendant in a claim.

What We Cover

You can count on D&O insurance to help with legal fees, settlements and some damages. Some policies are also worded to cover investigative costs. But D&O insurance often specifically excludes certain damages and punitive fees, such as fines.

In general, it covers your company’s leadership for errors, negligence, and failures to comply with regulations regarding company finances or operations in a broad sense. There may be serious limitations in coverage, such as discrimination exclusions and employee dishonesty exclusions, among others. Your Cal-Nevada Insurance Agency advisor will help you understand all the nuances.

There are multiple ways to structure D&O coverage. The best ones build out a comprehensive plan of protection that dovetails with your management and professional liability insurance.

We’ll help you build a protection plan that minimizes gaps and maximizes protection.

For further information or to schedule a meeting with an advisor, contact us at (866) 670-5948, or e-mail us at