Protect Your Leadership, Preserve Your Business. Get Directors & Officers Liability Insurance Tailored to You.
When your company’s key decision-makers are personally named in lawsuits, the financial, reputational, and emotional stakes are high. At Combs & Company, we make sure your organization—and its leaders—are shielded. Our Directors & Officers Liability insurance solutions are custom-built to safeguard corporate officers and board members from claims that target their decisions, judgment, and leadership actions.
Whether you're leading a startup, a nonprofit, or a growing enterprise, Directors & Officers Liability insurance is essential to attract top talent, secure investor confidence, and protect your organization’s long-term vision.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
What Does Directors & Officers Liability Insurance Cover?
Directors & Officers Liability insurance (commonly referred to as D&O insurance) protects your company’s directors, officers, and board members from personal losses if they are sued for decisions made in their official capacities. It also helps cover legal fees, settlements, and other expenses tied to those claims.

At Combs & Company, our policies typically cover:
- Allegations of mismanagement
- Breach of fiduciary duty
- Misrepresentation or errors in reporting
- Failure to comply with workplace laws
- Wrongful acts in fundraising or governance
- Shareholder or investor lawsuits
- Claims from competitors, vendors, or regulatory bodies
The bottom line: Directors & Officers Liability insurance helps ensure that your leadership can make bold, informed decisions without the looming fear of personal financial loss.
Why Your Business Needs Directors & Officers Liability Insurance Now
Running a business in today’s landscape involves more scrutiny, higher expectations, and greater legal exposure than ever. Even the most ethical, thoughtful leadership teams can be vulnerable to lawsuits—often from within the organization itself. That’s why Directors & Officers Liability insurance isn’t just a “nice to have”—it’s foundational protection.
Without D&O insurance, one lawsuit can:
- Drain your company’s resources through extended legal battles
- Harm your reputation with stakeholders and the public
- Deter qualified candidates from leadership roles
- Cause leadership hesitation in key decision-making moments

When you work with Combs & Company, you’re getting more than a policy. You’re gaining a strategic partner who understands the nuances of executive liability and builds coverage that reflects your company’s unique structure, risks, and goals.
What Is an Example of Directors & Officers Liability Insurance in Action?
Let’s say a group of shareholders sues your board of directors for allegedly misrepresenting the company’s financial health before a funding round. Even if the claim is baseless, the defense costs alone could stretch into six figures. With a robust Directors & Officers Liability insurance policy in place, those legal costs—and potential settlements—are covered, protecting both your leadership’s personal assets and your company’s balance sheet.
This type of protection empowers your executive team to focus on business growth, not courtroom battles.
Who Should Consider Directors & Officers Liability Insurance?
While many assume Directors & Officers Liability insurance is only for large, publicly traded corporations, that couldn’t be further from the truth. In fact, private companies, startups, and nonprofits are often at greater risk—especially when investor relations, donations, or internal disputes are involved.
If your organization has:
- A board of directors or advisory board
- Investors or shareholders
- Donors or grant funding
- Employment practices that could be scrutinized
- Regulatory compliance requirements
…then D&O insurance should be part of your foundational risk management strategy.

Combs & Company works with companies across industries and sizes—from early-stage startups to long-established organizations—to ensure their leadership is protected.
Why Choose Combs & Company for Directors & Officers Liability Insurance?
With over 20 years of experience and 15,000+ clients served, Combs & Company has earned a reputation for translating “insurance speak” into real-world clarity. Our mission is simple: to help you feel confident and covered, no matter how complex the risk.
We specialize in:
- Customized D&O insurance plans tailored to your structure and exposure
- Clear, transparent explanations so you know exactly what’s covered
- Fast, efficient service that respects your time and priorities
- Nationwide reach with boutique-level attention

Plus, our background in specialty insurance and complex risk consulting means we don’t offer one-size-fits-all policies—we deliver fit-to-you solutions backed by insight and experience.
How Do I Get Started With Directors & Officers Liability Insurance?
At Combs & Company, we make it easy to secure Directors & Officers Liability insurance with confidence. Schedule a consultation with our experienced team, and we’ll assess your business, evaluate your leadership’s exposure, and recommend the right coverage options—sourced from first-rate carriers and always aligned with your budget and goals.
FAQs About Directors & Officers Liability Insurance
What exactly does Directors & Officers Liability insurance protect against?
Directors & Officers Liability insurance protects against claims made against your company’s leadership for alleged wrongful acts, such as breach of fiduciary duty, misrepresentation, errors in corporate governance, or regulatory noncompliance. It covers legal defense costs, settlements, and sometimes even investigation expenses, ensuring your decision-makers are not personally financially exposed.
Is D&O insurance necessary for a private company or nonprofit?
Absolutely. Private companies and nonprofits face many of the same risks as public entities, including lawsuits from employees, donors, investors, or competitors. In fact, because these organizations often lack deep legal departments or large reserves, Directors & Officers Liability insurance is even more crucial to protect leadership and organizational stability.
Can Directors & Officers Liability insurance cover employment-related claims?
Yes, many Directors & Officers Liability insurance policies can be structured to include coverage for employment practices claims, such as wrongful termination, harassment, or discrimination. However, this can also be handled through a standalone Employment Practices Liability policy (EPLI), so it’s important to review your coverage options with a knowledgeable broker like Combs & Company.
Does D&O insurance cover criminal or intentionally fraudulent actions?
No. Directors & Officers Liability insurance will not cover criminal, fraudulent, or intentionally dishonest acts. It is designed to protect against alleged wrongful acts that occur in the course of legitimate leadership decision-making, not intentional misconduct.
How much Directors & Officers Liability insurance coverage do I need?
The right coverage amount depends on your organization’s size, industry, financial profile, and governance structure. At Combs & Company, we work with you to assess your risk exposure and determine an appropriate coverage level, so your leadership is neither underprotected nor overpaying.
Ready to Protect Your Leadership Team?
Let’s talk about how Directors & Officers Liability insurance can fit into your company’s risk management strategy. At Combs & Company, we don’t just sell policies—we build protection you can count on.
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