Directors & Officers insurance protects company leadership from legal liability. Essential coverage for board members and executives.
✓ Leadership protection
✓ Legal defense included
✓ Expert claims
✓ Competitive rates
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All D&O Providers (5)
👔 Berkley
★ 4.8/5.0
$620 - $2900
Coverage Types:
Deductible: $10000-$50000
Key Features:
- ✓ Full protection
- ✓ Legal defense
- ✓ Claims support
PROS
- • AM Best A+ (Superior) financial strength rating across W. R. Berkley insurance subsidiaries, with the parent company being a Fortune 500 firm founded in 1967
- • Decentralized operating-unit model (50+ specialty units) means D&O underwriters typically have niche expertise in specific verticals like non-profits, private companies, healthcare organizations, and financial institutions rather than generic D&O
CONS
- • Distributed exclusively through wholesale and retail brokers — no direct-to-business quoting portal, so insureds cannot self-serve
- • Primarily targets private company, non-profit, and small/mid-cap public D&O; large-cap public company D&O capacity is more limited compared to AIG, Chubb, or Travelers
👔 CNA
★ 4.75/5.0
$590 - $2800
Coverage Types:
Deductible: $10000-$50000
Key Features:
- ✓ Full protection
- ✓ Legal defense
- ✓ Claims support
PROS
- • Long-tenured D&O underwriter — CNA has written management liability coverage for decades and offers Epack III, a packaged management liability product bundling D&O, EPL, fiduciary, and crime for private and nonprofit organizations
- • Dedicated specialty claims unit for management liability with attorneys experienced in securities class actions, derivative suits, and regulatory investigations under its CNA Pro platform
CONS
- • Not a top-tier public-company D&O market — CNA generally targets private/nonprofit and small-to-mid-cap risks rather than competing with AIG, Chubb, or Travelers Bond & Specialty for large-cap Side-A primary placements
- • AM Best 'A' rating is one notch below the 'A+' or 'A++' carried by several competing D&O markets (Chubb, Travelers, AIG National Union), which matters to risk managers with rating-floor requirements
👔 Travelers
★ 4.699999999999999/5.0
$560 - $2700
Coverage Types:
Deductible: $10000-$50000
Key Features:
- ✓ Full protection
- ✓ Legal defense
- ✓ Claims support
PROS
- • Comprehensive
- • Expert underwriting
CONS
- • Expensive coverage
- • Complex underwriting
👔 Chubb
★ 4.6499999999999995/5.0
$530 - $2600
Coverage Types:
Deductible: $10000-$50000
Key Features:
- ✓ Full protection
- ✓ Legal defense
- ✓ Claims support
PROS
- • Comprehensive
- • Expert underwriting
CONS
- • Expensive coverage
- • Complex underwriting
👔 AIG
★ 4.6/5.0
$500 - $2500
Coverage Types:
Deductible: $10000-$50000
Key Features:
- ✓ Full protection
- ✓ Legal defense
- ✓ Claims support
PROS
- • Long-tenured D&O underwriter — AIG (via its Lexington and National Union Fire subsidiaries) has been one of the original and largest writers of public-company D&O since the product matured in the 1980s
- • Broad global reach with ability to issue admitted D&O policies in roughly 200 countries and jurisdictions, useful for multinationals needing locally compliant towers
CONS
- • AM Best downgraded AIG's core P&C subsidiaries from A+ to A in 2018, and the rating has remained at A — below the A+ or A++ held by some competing D&O markets like Chubb and Travelers
- • Reputation among brokers for harder-market underwriting discipline post-2019, with material rate increases and retention hikes on public-company D&O renewals during the 2019-2021 hard market
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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