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Personal Directors & Officers Insurance from GMG Insurance

Whether you donate your time as a director or are a paid director or executive, you need individual directors and officers liability insurance.

Directors and officers of companies, associations and nonprofits will often receive D&O liability insurance coverage from the organization, but individual directors and officers insurance is also necessary to protect your personal assets. GMG Insurance has experience with both company D&O policies and individual coverage, so our staff is able to advise you on dovetailing your individual policy with the protection your organization provides.

Nuts and Bolts

Individual directors and officers liability insurance (IDL) can be offered as a supplemental policy through a company, or it can be purchased on the private market. It works alongside of, or beyond, the organization’s Side A insurance for executives and can protect individuals when the company’s coverage fails or is inadequate.

These supplemental D&O policies can be structured in a number of ways, based on risks and available corporate coverage. The primary function is to protect the individual’s personal assets from claims arising out of their executive duties.

The Benefits

An individual D&O insurance policy often contains fewer exclusions than its corporate counterpart; plus, it can be written to provide legal defense payments from the first dollar forward. The limits of coverage also won’t be drained by other directors and officers, the way limits in a company D&O policy can be.

The coverage benefits you choose will have a lot to do with the type of organization you serve, the D&O liability coverage it provides, its financial health and your assets at risk. Your GMG Insurance advisor will conduct an in-depth review of all of these details and provide you with the best insurance solutions for your individual protection in your role as a director or officer.

Individual D&O is for paid and volunteer executives.

Turn to GMG Insurance for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us at (215) 497-9240; (800) 540-7900; or email at