Directors & Officers (D&O) & Errors & Omissions (E&O) Insurance

Protecting leadership decisions and professional services from costly legal claims

D&O and E&O Insurance work together to safeguard a company and its leadership from two major categories of risk: management decisions and professional service errors. While they are often paired, each covers a distinct exposure that can create significant financial and reputational damage if left unprotected.

Directors & Officers (D&O) Insurance

Protecting leaders from claims related to management decisions

D&O Insurance shields a company’s directors, officers, and executives from claims alleging mismanagement, breach of duty, or failure to act in the best interest of the organization. These claims can come from investors, employees, regulators, or other stakeholders.

What D&O Covers

  • Mismanagement allegations — Claims that leadership decisions caused financial harm.

  • Breach of fiduciary duty — Accusations that leaders failed to act responsibly or ethically.

  • Regulatory investigations — Defense costs related to government or regulatory inquiries.

  • Shareholder or investor claims — Disputes over governance, financial reporting, or strategic decisions.

  • Employment-related leadership claims — Wrongful termination or discrimination claims directed at executives (distinct from EPLI).

Why Companies Need D&O

  • Protects personal assets of leaders

  • Helps attract qualified executives and board members

  • Required by many investors, lenders, and institutional partners

  • Stabilizes leadership during disputes or investigations

Ideal For

Any organization with a board, investors, or formal leadership structure—startups, growth-stage companies, nonprofits, and established corporations.

Errors & Omissions (E&O) Insurance

Protecting your business from claims related to professional mistakes or service failures

E&O Insurance covers the company when a client alleges that your professional services were performed incorrectly, negligently, or failed to meet expectations. It is essential for businesses that provide advice, technical work, or specialized expertise.

What E&O Covers

  • Professional mistakes — Errors, omissions, or oversights in service delivery.

  • Failure to perform — Claims that work was incomplete, late, or below standard.

  • Negligence allegations — Accusations that your work caused financial harm.

  • Contractual disputes — Claims tied to missed deadlines, unmet deliverables, or performance guarantees.

  • Defense costs & settlements — Legal fees and damages associated with covered claims.

Why Companies Need E&O

  • Protects against costly client disputes

  • Required in many professional service contracts

  • Shields revenue-generating teams from litigation risk

  • Ensures continuity when a project or engagement goes wrong

Ideal For

Professional services firms, consultants, technology companies, financial advisors, real estate professionals, contractors, and any business delivering specialized expertise.

How D&O and E&O Work Together

While D&O protects leadership decisions, E&O protects professional work. Together, they form a comprehensive shield around both the strategic and operational sides of the business.

  • D&O = Governance, leadership, fiduciary duty

  • E&O = Professional services, deliverables, client work

Most companies carry both because claims often arise from both management decisions and service execution.