FAQs

Premiums are based on several factors, including the size and type of business, the number of directors and officers, past claims history, and the industry in which the business ...

Yes, many D&O policies include coverage for wrongful acts that occurred before the policy was in effect, provided that the claim is made during the policy period. ...

D&O insurance covers wrongful acts by directors and officers in their managerial capacity, while Professional Liability Insurance covers errors and omissions in professional services provided by the business. ...

Yes, small businesses can benefit significantly from D&O insurance as it protects against claims that could otherwise financially devastate the company and its leaders.

D&O insurance does not cover bodily injury, property damage, or professional errors and omissions. For these types of risks, you would need General Liability Insurance or Professional Liability Insurance, ...

While Environmental Liability Insurance is not legally required for all businesses, it is highly recommended for those with significant environmental risks. Certain industries and contracts may mandate this coverage, ...

Coverage for historical contamination depends on the policy terms and conditions. Some policies may offer limited coverage for pre-existing conditions if they were unknown at the time of purchasing ...

To file a claim, contact your insurance provider immediately after an incident. Provide detailed information about the event, including the date, location, nature of the incident, and any immediate ...

The amount of coverage you need depends on your business operations, the potential environmental risks involved, and regulatory requirements. It's essential to assess your specific needs and consult with ...

Environmental Liability Insurance does not typically cover intentional acts of pollution, known pre-existing conditions, or general liability claims unrelated to environmental incidents. For coverage of general business risks, a ...