FINANCIAL + MANAGEMENT
Protect the people who run the company.
Covers directors and officers personally for claims about management decisions from investors, lenders, regulators, or employees.
- WHO NEEDS IT
- Boards, investors, lenders
- SIDES
- A, B, and C coverage
- LIMITS
- $1M–$10M
- OFTEN BUNDLED
- With EPLI and fiduciary
WHAT'S COVERED
- 01Personal liability. Protects leaders personally.
- 02Company reimbursement. When the company indemnifies its leaders.
- 03Entity coverage. Claims against the company itself.
- 04Regulatory investigations. Defense for government inquiries.
COMMON QUESTIONS
- We're private. Do we need D&O?
- Most private-company D&O claims come from customers, competitors, and employees, not shareholders.
- What's fiduciary liability?
- Coverage for mistakes managing your 401(k) or benefit plans, often added to D&O.
- Can I bundle this with other coverage?
- Yes. One application covers every line we quote, with one renewal calendar and one advisory team.
- Does Worklio payroll help?
- If you run payroll on Worklio HCM, we pre-fill company details, headcount, and payroll data. We also work with any other payroll provider.
WHAT AFFECTS YOUR PRICE
- 01Revenue, assets, and financial strength
- 02Board and ownership structure
- 03Outside investors or lenders
- 04Prior claims
HOW WE QUOTE IT
APPLICATION
ACORD 125 + carrier supplement
WHAT TO HAVE READY
- Latest financial statements
- Organizational chart and ownership
- Prior claims, if any
On Worklio HCM? Payroll and headcount data are pre-filled.
WHO USUALLY CARRIES IT
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
