Directors and Officers liability insurance (D&O) is designed for Directors & Officers of all businesses, both public and private companies, and even Non-Profit entities. Directors and Officers of corporations are fiduciaries that are responsible for the proper discharge of their responsibilities of managing the business' affairs. Directors and Officers policies also cover an organization's obligation to indemnify its Directors and Officers for claims made against them.

Importantly Directors and Officers have personal liability for their actions. Professional Liability Insurance claims often are brought against both the entity and the individual officers and directors. Having the proper coverage for your specific area of professional practice is vital to ensuring that in the even of a claim you have the coverage that you need to emerge from the situation without losing everything.