Protect executives and board members from personal liability with directors and officers insurance tailored for Madison businesses, nonprofits, and growing organizations.
Directors and officers liability insurance protects decision-makers from personal financial risk tied to lawsuits, regulatory actions, and governance claims. In Madison, WI, businesses and nonprofits face increasing exposure related to employment practices, financial oversight, and board decisions.
A properly structured D&O policy helps cover legal defense costs, settlements, and allegations of mismanagement, even when claims lack merit. We help Madison organizations compare directors and officers insurance options across top carriers, ensuring coverage aligns with entity size, risk profile, and regulatory environment. The goal is simple: protect leadership so they can make decisions without personal liability exposure.

Directors and officers (D&O) liability insurance protects the personal assets of board members, executives, and company leaders from lawsuits alleging wrongful acts in their management roles. When leaders make decisions on behalf of an organization, they can be held personally liable for those decisions, even if they acted in good faith.
In Madison's business environment, D&O claims can arise from employment disputes, shareholder disagreements, regulatory investigations, financial mismanagement allegations, or breach of fiduciary duty claims. Without D&O insurance, directors and officers may be reluctant to serve, and their personal assets could be at risk if a claim is filed.
Highlights

When we help you compare D&O liability insurance quotes, we ensure you understand what is covered and how the policy protects your organization's leadership from personal liability.
Core D&O Liability Coverages Explained
Wrongful Act Claims
Covers claims alleging errors, omissions, misleading statements, neglect, or breach of duty by directors and officers in their management capacity. This includes decisions related to strategy, operations, hiring, and financial management.
Legal Defense Costs
Pays for attorney fees, court costs, and legal expenses to defend directors and officers against covered claims, even if the allegations are ultimately proven false.
Settlements and Judgments
Covers settlement amounts or court judgments against directors and officers for covered wrongful acts, up to policy limits. This protects personal assets from being used to satisfy claims.
Employment Practices Claims
Covers claims from employees alleging wrongful termination, discrimination, harassment, or other employment-related violations attributed to management decisions.
Regulatory Defense
Pays for defense costs when directors or officers face regulatory investigations or proceedings related to their management duties.
We help review your organization type, governance structure, and leadership risks to determine appropriate D&O coverage limits and ensure your policy matches your actual exposure.

Any organization with a board of directors, executives, or management team should consider D&O liability insurance. This coverage is essential for protecting the personal assets of leaders and ensuring qualified individuals are willing to serve in leadership roles.
Organizations That Commonly Need D&O Insurance
Many investors, lenders, and board candidates require D&O insurance as a condition of their involvement. Even small organizations with volunteer boards benefit from D&O coverage to protect well-meaning leaders from personal liability.
We help determine whether your organization needs D&O insurance and what coverage limits are appropriate based on your size, industry, and governance structure.

D&O liability claims can arise from a wide range of management decisions and organizational situations. Understanding common scenarios helps leaders recognize their exposure and the importance of proper D&O coverage.
Common D&O liability situations we review with organizations include
These situations can result in significant legal costs and personal financial exposure for directors and officers. Having proper D&O coverage protects leadership and allows them to make decisions in the best interest of the organization without fear of personal ruin.

D&O liability insurance needs vary based on organization type, size, industry, and governance complexity. We help tailor coverage to match your specific leadership risks and organizational structure.
We regularly assist
If your organization grows, adds investors, goes public, or faces increased regulatory scrutiny, your D&O coverage should be reviewed to ensure limits remain adequate for your leadership exposure.

D&O liability insurance should not be a one-time purchase. As your organization evolves, your leadership structure changes, or your business activities expand, your D&O coverage needs should be reassessed.
We support our clients by
Our goal is to help you maintain proper D&O protection over time, ensuring your leadership team can serve with confidence and your organization can attract qualified board members and executives.
Get coverage that protects your directors, officers, and leadership team from personal liability.