Directors and Officers Liability Insurance

D&O insurance protects the personal assets of a company’s directors and officers.

Eirsure offers business insurance that protects the personal assets of a company’s directors and officers (and sometimes senior executives) if they are personally sued for actions taken in the course of managing the company. We will work directly with you to ensure that you understand all aspects and wordings in the policy.

D&O insurance is a cornerstone of corporate risk management, providing financial protection to directors, officers, and the company itself against lawsuits over management decisions or governance issues.

Three Coverage Parts: Sides A, B, and C

At Eirsure, we combine three separate coverage parts for D&O programs — often called Sides A, B, and C.

Side A

Who it protects: Individual directors and officers

When it applies: When the company cannot indemnify them (e.g., bankruptcy or legal prohibition)

Key feature: Protects personal assets directly

Side B

Who it protects: The company itself

When it applies: When the company indemnifies its directors/officers and seeks reimbursement

Key feature: Reimburses the company

Side C (Entity Coverage)

Who it protects: The corporate entity

When it applies: When the company itself is named in a securities claim

Key feature: Protects the company’s balance sheet

In addition to the 3 side programs we offer specialized policies such as:

Side A “Difference in Conditions” (DIC):

Extra layer of Side A protection if main D&O coverage is denied or company is insolvent.

Public Company D&O:

Tailored to the exposures of publicly traded companies, including securities class actions.

Private Company D&O:

Broader coverage for privately held firms; often includes employment practices liability and other management risks.

Nonprofit D&O:

Designed for boards of charities, associations, or NGOs, typically at lower cost and with simpler underwriting.

Excess D&O:

Provides additional limits above the primary policy.

Run-off / Tail Policy:

Extends reporting period after a merger, acquisition, or when operations cease, to cover claims filed after the transaction.

Eirsure provides Directors & Officers (D&O) insurance to safeguard your leadership team and company from personal liability claims.

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