INSURANCE FOR
BUSINESS STRATEGIES FOR
DIRECTORS & OFFICERS (D&O) INSURANCE
What Directors & Officers Insurance Protects
Directors and officers make decisions that shape the direction, finances, and reputation of an organization. When those decisions are challenged, D&O Insurance helps protect:
✓ Personal assets of directors & officers
✓ Organizational assets
✓ Leadership reputation
✓ Legal defense costs
✓ Governance & decision-making stability
D&O provides personal liability protection if leaders are sued for decisions made while managing the business or nonprofit.
Management Decisions
Claims alleging mismanagement, poor decisions, or failure to fulfill fiduciary duty.
Breach of Duty
Accusations that leaders did not act in the best interest of the organization or stakeholders.
Misrepresentation
Claims related to misleading statements or failure to disclose important information.
Regulatory & Compliance Actions
Defense against investigations or allegations tied to governance or reporting.
Legal Defense Costs
Attorney fees, court costs, settlements, and judgments—up to policy limits.
Note: Coverage levels vary based on risk, customer types, and policy structure. Even budget policies can reimburse a large portion of unpaid receivables.
Why D&O Insurance Isn’t Optional
Whether a leader is paid or volunteer, their personal assets can be at risk.
D&O is essential for:
For-profit companies
Startups & growing businesses
Nonprofits & community organizations
Boards of directors
Advisory boards
HOAs, churches, clubs, and associations
Common claims include:
Mismanagement of funds
Failure to follow bylaws
Employment-related claims
Failure to comply with regulations
Misrepresentation to investors or stakeholders
Without D&O coverage, leaders may be held personally financially responsible—putting both the organization and its decision-makers at risk.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.
License information is available upon request and varies by state.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.