Owners, partners, and investors
Disputes over a sale, a buyout, a capital call, or how the company was run.
Directors & officers · Jupiter, FL · FL, NY, NJ & PA
D&O insurance for private companies, reviewed from Jupiter, FL.
The people who run a company can be named in a claim about how they ran it. Directors and officers liability is its own policy.
What directors and officers coverage is for
Directors and officers liability, usually called D&O or management liability, is meant to respond when the people who run a company are accused of a wrongful act in managing it: a decision, a misstatement, a breach of duty, or a failure to act. Those claims can name the individuals personally, not only the company.
General liability is built for bodily injury and property damage. Workers’ compensation is built for work injuries. Neither is designed for a claim that the people running the company managed it badly. That is why D&O is a separate discussion.
Jupiter Coverage is an independent agency based in Jupiter, Florida, licensed in Florida, New York, New Jersey, and Pennsylvania. Commercial accounts in all four states are handled from the one office at 1106 W Indiantown Rd, Suite 3. We take private-company D&O quote requests through the D&O quote request, then call.
Who brings D&O claims against a private company
Private companies are not public companies, but they still have people who can sue the decision-makers.
Lenders and creditors
Claims after a missed covenant, a refinancing, or a business that fails.
Vendors, customers, and competitors
Allegations of misrepresentation, interference, or unfair competition aimed at the officers who made the call.
Regulators
Government investigations or actions against the company and its managers.
D&O and the rest of management liability
Some private-company policies are sold as part of a management liability package; the wording decides what is included. Employment claims are a separate coverage, employment practices liability, and our EPLI discussion covers what that form is for. Fiduciary liability for benefit plans and crime coverage for theft of money are also separate discussions.
Forms differ on what counts as a claim, whether defense costs reduce the limit, and how entity coverage, insured-versus-insured exclusions, and prior-acts dates are written. We read those lines before anyone talks premium.
What the quote request asks
The D&O quote request asks for the business name, industry, entity type (LLC, corporation, partnership, or other), address, approximate annual revenue, employee count, the number of directors, managers, and officers, and whether there has been a D&O or management-liability claim in the last five years. Have those ready, along with any current policy.
Bring to the review
Your current D&O or management liability policy, if any; the operating agreement or bylaws if they address indemnification; recent financials; and anything that has been threatened in writing.
What we will tell you
Whether D&O belongs on the proposal, how it sits next to EPLI, crime, and cyber, and what the form you have does and does not do.
Who we review D&O for
Owners and managers of private companies, including LLCs, closely held corporations, and partnerships, across Florida, New York, New Jersey, and Pennsylvania. D&O is usually reviewed alongside the rest of the commercial program, such as general liability, property, workers’ compensation, cyber, and EPLI.
A small company with one owner and no outside investors may not need the same program as a company with partners, lenders, and a board. The point of the review is to match the form to how decisions are actually made.
Related reading
D&O is one of several specialty lines we review with the rest of the commercial coverage. For employee claims, see the Coverage Desk note What employee lawsuits actually cost a Florida business. For wire fraud and ransomware, see A ransomware invoice is not a property claim.
How we work a D&O file
We start with how the company is owned and governed: who sits on the board or manages the LLC, who has invested or lent money, and what decisions are coming, such as a sale, a new partner, a refinancing, or an expansion into another state. Those facts shape which parts of a form matter most.
Then we read the policy you have, if any, next to the rest of the commercial program. A D&O form that looks fine alone can leave a gap where EPLI, crime, or cyber was supposed to pick up. We shop markets and explain what a form will and will not do; we do not quote a price on this page, bind coverage online, or promise a carrier.
Common questions
Do private companies really need D&O?
It depends on who could bring a claim: partners, investors, lenders, customers, competitors, or regulators. A company with outside owners or debt has more people who can question how it was run.
Is D&O the same as EPLI?
No. EPLI is meant for employee claims such as harassment, discrimination, and wrongful termination. D&O is meant for claims about how the company was managed. Some private-company packages combine them; the wording decides.
Does general liability cover a lawsuit against an officer?
General liability is built for bodily injury and property damage. A claim that an officer made a bad decision or misstated something is generally a D&O question.
How fast will you follow up?
After the D&O quote request comes in, we call to go over it. How long a quote takes depends on how complete the information is.
Start with the form, or call
Use the D&O quote request and we will call. Or call (561) 529-4949, Monday–Friday, 8:00 AM – 5:00 PM. Jupiter Coverage Corp, 1106 W Indiantown Rd, Suite 3, Jupiter, FL 33458. This page does not quote a price or bind coverage.