Facebook_Pixel Management Liability (D&O)

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What is Management Liability (Directors & Officers) Insurance?

Management liability (D&O) at its core is financial protection for a company or organization’s directors, officers, managing members or equivalent positions while they are working on the company or organization’s behalf. The coverage intends to pay for defense and potential indemnity of legal action taken against these individuals for allegedly breaching their fiduciary duties owed to their stakeholders, donors, etc.

Why have Management Liability (Directors & Officers) Insurance?

Management liability claims affect all companies and organizations, large and small, public, private or non-profit. The individuals that sit on the board all share a similar exposure. Within all of these exposures the company or organization’s directors and officers personal assets could be up for grabs in a settlement situation. Is your company or organization financially stable enough to withstand a class action lawsuit from stakeholders for a public misstatement? In terms of private companies and non-profits, are you prepared for the costs to defend yourself if allegations of unfair business practices arise? The costs of defense and potential settlements can reach sky-high amounts for these types of allegations that can put companies or organizations out of business or operation. Are you properly prepared?

The Apogee Advantage

Our Directors and Officers insurance is available through A++ rated, A.M. Best, admitted and non-admitted markets throughout all 50 U.S. states. We target not for profit, private and public company directors and officers.

Coverage May Include

Protect directors and officers from liability arising from actions committed as board members or officers of an organization.

  •  Insuring Agreements A, B, C and D available
  •  Duty to defend or duty to pay policies are available
  •    Outside Position coverage included for 501 (c) 3
  •    Additional Side A offered on most forms
  •  Lifetime reporting for former directors and officers available
  •  Coverage Territory is Worldwide
  •  Most policies are fully non-rescindable
  •  Negotiable settlement clauses
  •  Policies can package D&O, EPLI, Fiduciary and CRIME, or write them all standalone
  •  Defense outside the limit available

Apply Now

First time customers, learn about Apogee and fill out our form.

Send submissions to submissions@apogeeinsgroup.com

Submission Requirements:

  • Application
  • Loss runs, if available
  • Copy of current dec page, if available
  • Most recent financials (Pro-forma if startup)
  • List of all directors and officers
  • Ownership structure

Management D&O Applications:


Available Markets

One Beacon
Berkley Select
New Dawn

See Apogee ProductsWe Place All Types of Professional Liability

Last Updated: June 29, 2020 3:47 PM   HOW APOGEE IS RESPONDING: We know there are many concerns as the COVID-19 (Coronavirus) pandemic continues to unfold. We want to assure you that we are committed to working through these challenges together with you. We recognize that people will be facing a variety of different hardships and we will do everything we can to accommodate. We are all in this together. Our entire team remains dedicated to our customers, working virtually and safely from their homes to meet our customer service promises: Our underwriters are available by telephone and email with full quoting functionality with expertise and speed. Click here for a list of our team's extensions. Our salespeople continue to “meet” with our customers virtually over video conference to assist with policyholder questions surrounding new teleworking exposures, payment concerns, and general pandemic assistance. Our website will remain fully functional, and you can continue to submit new business requests HERE. Our telephone lines and email inboxes are up and running without interruption. We continue to accept all premium payments via check received at our Lockbox. Please ensure that premium payments are sent to:  M&T Bank c/o Apogee Insurance Group Box # 69170 1800 Washington Blvd-8th Floor Baltimore, MD 21230   UPDATES FROM OUR MARKETS: AdmiralArgoAt-BayBeazley BRPCapSpecialtyCFCChubb C.N.A. CorvusELANYGreat American HiscoxHiscox NOW HudsonLloyd's MarkelMedProOneBeaconRSUI Travelers USLIVerus  Victor    CARES ACT RESOURCES: CARES Act: addresses economic impacts of, and otherwise response to, the COVID-19 (coronavirus) outbreak BRC Guide: includes information regarding types of loans available to small businesses, eligibility requirements, how to apply for a loan, and more. COVID-19 Emergency Loans for Small and Mid-Sized Businesses   LEGISLATIVE & STATE UPDATES: if (window.addEventListener){ window.addEventListener("message", function(event) { if(event.data.length >= 22) { if( event.data.substr(0, 22) == "__MM-LOCATION.REDIRECT") location = event.data.substr(22); } }, false); } else if (window.attachEvent){ window.attachEvent("message", function(event) { if( event.data.length >= 22) { if ( event.data.substr(0, 22) == "__MM-LOCATION.REDIRECT") location = event.data.substr(22); } }, false); } ul.map li { float: left; margin: 0 25px 0 0px; width: 120px; border: 0px solid; height: 45px; padding-left: 6px; } ul.map { list-style: square url(https://createaclickablemap.com/li-arrow.png) !important; } ul.map li a{ margin: 0;padding: 0; text-decoration:underline; font-family:Arial, Helvetica, sans-serif; font-size:12px; font-weight:normal; color:#4591b1; } ul.map li a:hover{ text-decoration:none; color:#214b6e;} .linkBack{ display:block; width:130px; position: relative; bottom: 0px; left: 660px; font-family: Arial,Helvetica,sans-serif; font-size: 10px; font-style:italic; color:#666666;} .linkBack a {color:#666666;}.linkBack a:hover{color:#666666;text-decoration: none;} Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming                   ADDITIONAL RESOURCES: Free cyber risk analysis and reports (for hospitals, healthcare entities, or any organization on the frontlines) Reduction in Force Supplement WSIA Wholesale Fees COVID-19 Safety Procedures Supplemental App (home healthcare with CapSpecialty) State COVID-19 Bulletins