DIRECTORS & OFFICERS INSURANCE

Leadership Comes With Risk. Protection Comes With Us.

Directors & Officers (D&O) Insurance helps protect the personal assets of your directors, officers, and key leaders when decisions they make on behalf of your organization are questioned.

We help businesses, nonprofits, and public entities across New York secure the right D&O coverage to navigate risks with confidence.

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Experienced advisors.

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Modern service tools.

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One-on-one support.

Good decisions don't always prevent lawsuits. The right protection helps.

We help protect your leaders, your reputation, and your organization.

What Directors & Officers Insurance Covers

Wrongful Acts

Protects against claims alleging wrongful acts in the performance of duties as a director or officer.

Employment Practices Liability

Helps cover claims related to employment issues such as discrimination, wrongful termination, and more.

Securities Claims

Helps protect against securities-related claims, misstatements, or alleged violations.

Regulatory Investigations

Covers costs associated with regulatory investigations and administrative proceedings.

Third-Party Claims

Includes claims brought by shareholders, customers, vendors, regulators, and other third parties.

Defense Costs

Helps cover legal defense costs, settlements, and judgments—often outside policy limits.

Key Benefits of D&O Insurance

  • Helps protect personal assets of directors and officers
  • Covers defense costs even if claims are groundless
  • Helps attract and retain qualified board members
  • Protects your organization's financial stability
  • Covers a range of claims, investigations, and allegations
  • Tailored policies for your unique organization and risks

D&O Insurance Helps Protect Against

Shareholder Lawsuits

Regulatory Actions

Employment Claims

Breach of Duty Allegations

Reputational Harm

Financial Losses

Who We Help Protect

Manufacturing
Healthcare
Food & Beverage
Hospitality
Educational
Institutions
Data Centers
Commercial
Real Estate
Municipalities

Real-World Scenarios. Real Protection.

Fire Damage

Shareholder Lawsuit

A shareholder alleges mismanagement and breach of fiduciary duty. D&O Insurance can help cover legal defense costs and settlements.

Customer Injury

Regulatory Investigation

AA regulatory agency opens an investigation into alleged compliance issues. D&O Insurance helps cover investigation and legal expenses.

Theft

Employment Claim

A former employee files a claim alleging discrimination and wrongful termination. D&O Insurance helps cover legal defense.

Business Interruption

Alleged Mismanagement

A vendor alleges misleading information led to financial loss. D&O Insurance can help protect your leaders and organization.

Why Choose Eastern Insuring Agency?

We take the time to understand your organization's structure, exposures, and goals to deliver D&O Insurance solutions that fit.

We proudly serve organizations throughout:

Adirondack Region
Capital Region
Hudson Valley
Mohawk Valley
Western New York
Lake Placid
Long Island
New York City
Throughout New York State

Local advisors. Strong relationships. Smarter coverage.

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Frequently Asked Questions

What is Directors & Officers Insurance?
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Directors & Officers (D&O) Insurance helps protect company leaders from financial losses if they are sued for decisions or actions taken while managing the organization. It can also help cover legal defense costs and settlements.

Who should have D&O Insurance?
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Any business, nonprofit, homeowners association (HOA), or organization with directors, officers, or board members should consider D&O Insurance. It helps protect those serving in leadership roles.

Does D&O Insurance protect the organization?
Down Arrow

Yes. Depending on the policy, D&O Insurance can protect both the individual directors and officers as well as the organization when it indemnifies its leaders or faces certain management-related claims.

What does D&O Insurance typically cover?
Down Arrow

D&O Insurance generally covers legal defense costs, settlements, and judgments resulting from claims involving wrongful management decisions, breach of fiduciary duty, misrepresentation, employment practices issues, and other leadership-related allegations.

Are nonprofits and HOAs at risk for claims?
Down Arrow

Yes. Nonprofits and homeowners associations can face lawsuits from employees, volunteers, members, donors, vendors, or regulatory agencies. D&O Insurance helps protect board members and the organization against these types of claims.

How are D&O Insurance limits determined?
Down Arrow

Coverage limits are based on factors such as the organization's size, industry, annual revenue, assets, number of employees, board structure, and overall risk exposure. An insurance professional can help determine the appropriate amount of coverage.

Protect Your Leaders. Protect Your Organization.

Let our experienced advisors help you assess your risks and build the right D&O Insurance policy for your organization.

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Our Locations

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Amsterdam

2 Guy Park Avenue
Amsterdam, NY 12010
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Carmel

72 Gleneida Avenue
Carmel, NY 10510
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Malone

7 Rockland Street, Suite A
Malone, NY 12953
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Plattsburgh

1645 Military Turnpike Hwy
Plattsburgh, NY 12901
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