Commercial D&O

Commercial D&O - Private and publicly traded companies with revenues over $350 Million.   With the Commercial D & O department's main focus on the Fortune 1000.   The Commercial Department has been consistently focused on the large corporate sector. Our experienced underwriting staff has the knowledge and expertise to underwrite risks across all industries.   The Commercial D&O Department provides coverage for financially sound companies with strong corporate governance, as well as for harder-to-place risks, such as financially distressed companies, IPO's, LBOs and merger & acquisitions.

The Hartford Priority Protection Plus^sm (Broad Form Non-Indemnifiable D&O Coverage) - The Hartford Priority Protection Plus^sm policy, also known as "Side A" coverage, protects individual directors and officers when they cannot be indemnified by their company. This state-of-the-art policy can be written as Broad Form Primary, Excess Difference-In-Conditions ('DIC'), or Independent Director-only (IDL) Coverage. 

D&O Premier Defense^sm  (Directors, Officers and Entity Liability for Public Companies) - Public company directors and officers face an array of challenges, as they find themselves operating in an exceedingly complex environment.   Judicial and regulatory scrutiny over corporate governance has intensified and shareholder litigation continues unabated.   Corporate leaders demand formidable protection against personal liability and financial loss.  While strong governance practices can help reduce a company's exposure, an effective risk management program, including broad D&O coverage, is also essential.

The Hartford Universal Excess ^SM Simplified Policy - In today's challenging environment, seamless excess coverage is particularly important for managing enterprise, legal and regulatory risks.  Businesses seek excess insurance coverage for added protection against the perils of large financial loss.  With severity of losses on the rise, it has never been more important to have “follow form” excess coverage.  Failure to build an insurance program with a quality excess policy can leave a client exposed to significant gaps in coverage and create potential liability for the broker or agent.

Private Choice Encore!! for Large Companies - Designed to meet the needs of large commercial, privately-held companies only, our policy can include D&O, EPL, ODL, Fiduciary, Fidelity and Kidnap/Ransom & Extortion coverage in package policy form.

Real Estate Investment Trust - As the U.S. business environment has become increasingly litigious due to strict corporate governance standards and high shareholder expectations, the need for a partnership with a reliable and financially stable insurance carrier has become critical.