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 [...]