Private companies
Consider ownership disputes, investor relationships, transactions and management decisions. Review insured persons, entity coverage and the relationship with other management liability policies.
Directors & Officers
Leadership brings
its own exposures.
Decisions made on behalf of an organization can lead to allegations against its directors, officers or the entity. A D&O review considers governance, ownership and policy structure—not simply a headline limit.
Organizational context
Not every board faces
the same questions.
Public companies
Consider securities-related allegations, disclosure responsibilities and shareholder litigation. Review the structure of individual and entity coverage with qualified legal counsel.
Nonprofit organizations
Consider governance duties, allocation of resources, donor relationships and the roles of trustees, directors, officers and volunteers. Confirm who is actually included in the policy definition.
Read the structure
Details matter
when a claim arrives.
- Limits and defense costs: determine whether defense expenses reduce available limits and how retentions apply.
- Exclusions and conditions: review conduct, prior matters, insured-versus-insured and other applicable provisions, including carve-backs.
- Claims-made reporting: understand when a claim must be made and reported, notice of circumstances, continuity and extended reporting options.
- Organizational change: examine transactions, ownership changes, indemnification and the coordination of policy layers.
D&O does not automatically replace employment practices, fiduciary, professional liability or other coverage. Actual terms control.
General insurance education only; not legal advice or a coverage opinion. Review governance and indemnification obligations with qualified counsel. No policy guarantees protection for every allegation.
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mkravitz@sterlingrisk.com ↗Connect with Marc on LinkedIn ↗
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