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Texas Independent Insurance

Directors & Officers

Directors and officers liability coverage protects directors and officers against claims alleging negligence, errors and omissions, misstatements, misleading statements and misrepresentations.

Most organizations have a general liability policy that protects its directors and officers against negligent acts that result in bodily injury or property damage. However, general liability does not protect against alleged wrongful acts or omissions, including breach of duty, which do not result in bodily injury.

Directors and officers coverage protects your executives from potential lawsuits resulting from key decisions or management practices-lawsuits that may target their personal assets.

A comprehensive Directors & Officers liability policy can provide the following:

  • Directors Officers Committee Members Volunteers
  • Trustees or Employees

Comprehensive D&O Insurance can:

  • Defend Prior Acts Defend Non-Monetary Damages Provide Duty to Defend Coverage Defend Libel, Slander & Defamation of Character
  • Defend Discrimination, Sexual Harassment and Wrongful Discharge

Crime coverage can extend to those who may have access to your companies funds:

  • Employee Dishonesty Money & Securities
  • Forgery & Depository

Pollution / Environmental Liability

Environmental coverage generally falls into two categories. Errors and omissions coverage, also known as professional liability, protects a professional who mistakenly designs a facility that causes pollution in some way. Pollution incident coverage protects professionals on the job in case they cause a pollution incident by perhaps backing into a sewage pipe.

Policies for environmental consultants can feature broad coverage specifically tailored to the needs of a professional in the environmental field. Coverage may include pollution incident and asbestos coverage as well as retroactive coverage for eligible firms.