Seraph Risk Advisors
Northern UT
Every decision a director or officer makes carries risk, and a lawsuit over that decision can threaten personal savings and future earnings. D&O insurance protects the people who lead your company, not just the company itself. Seraph Risk Advisors helps businesses nationwide put this protection in place.
A typical D&O policy is built around three parts. Side A protects individual directors and officers when the company cannot indemnify them. Side B reimburses the company when it does indemnify its leaders. Side C covers claims made directly against the company itself. Together, these respond to allegations like mismanagement, breach of fiduciary duty, or misrepresentation to investors.
D&O coverage is not just for public corporations. Startups raising outside capital, private companies with a board, and nonprofits all face exposure. Many investors and outside board members require it before joining a company or signing a term sheet.
Claims can come from shareholders, employees, regulators, or customers, and defense costs alone can climb quickly, even when a claim is unfounded. As businesses grow or bring on investors, D&O coverage becomes one of the first policies they are asked to show.
Yes. We help companies across the country secure D&O coverage that fits their size, structure, and industry.
Often, yes. Claims can arise during fundraising or leadership disputes, well before a company goes public.
D&O covers claims tied to management decisions, while E&O covers claims tied to errors in professional services or advice.
D&O coverage is quoted based on your company's structure and risk profile, so contact us directly for an accurate quote.
D&O insurance is typically written alongside other commercial insurance coverage. Contact us to discuss the right limits for your company, wherever you are based.
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