Directors & Officers Coverage

Directors and Officers (D&O) coverage provides a broad range of protection from liability claims and lawsuits against senior management and board members of an organization. This coverage provides protection for the legal defense costs and indemnification for such lawsuits and claims arising out of the action and responsibility of management and board members. These claims may cover a wide range of allegations or damages, such as insufficient or inadequate guidelines, oversight or supervision relative to hiring practices, financial reporting/principles, contracts, or operational standards.

Our D&O policy has a unique structure with three primary components: Healthcare, Educational, and Religious. Each component is designed to address the unique issues of each type of organization. Limits typically purchased range from $2 million to $10 million.

This program includes additional protections such as:

  • Employment Practices Liability
  • Crisis Management and Communication Consulting and Expenses
  • Sexual Harassment Coverage
  • Public Relations and Media Consulting

The deductibles for this coverage are unique to each participating location. Contact the Office of Risk Management for more information, or if you are not aware of the deductibles for your particular location.

D&O Rates

For a formal quote of the contribution cost of this protection, please complete one of the following forms:

Application Directors and Officers For-Profit

Application Directors & Officers Not-for-Profit

Please mail the completed form to:

Joseph McEnness
RCAB Office of Risk Management
66 Brooks Drive
Braintree, MA 02184

For an estimate, please contact the Office of Risk Management.

D&O Claims

Any claims or lawsuits (or incidents that may potentially result in a claim or lawsuit) should be immediately reported to the Claims Manager. The Claims Manager will coordinate the oversight, as well as any necessary legal and insurer claims representation.

As D&O claims frequently overlap with other types of liability protection, you should be prepared to provide the Claims Manager with the policy and contact information for any additional coverage that you may have in place.

Learn more about your coverage