Private companies · Non-profits · Boards
Directors and officers insurance in the GTA
Directors and officers can be personally named in claims about decisions they made. D&O insurance helps pay defence costs and settlements, subject to its terms.
Who we insure
- Private companies
- Non-profits
- Condo boards
- Charities
- Associations
- Start-ups
Coverage for directors & officers
Personal protection
Covers individual directors and officers when the company cannot indemnify them.
Company reimbursement
Reimburses the organization when it indemnifies its leaders.
Entity coverage
Protects the organization itself for certain claims.
Employment practices
Claims of wrongful dismissal, discrimination or harassment.
Fiduciary liability
Claims related to benefit and pension plan administration.
Defence costs
Legal costs, which can be significant even when allegations are unfounded.
FAQ
Questions I hear often
Do small private companies need D&O?
Often yes. Claims can come from shareholders, employees, customers or regulators.
Do non-profit board members face risk?
Yes. Volunteers can be named personally, and D&O helps attract board members.
Is employment practices liability included?
Sometimes as an option. We confirm it is in place if you have employees.
What is not covered?
Fraud and intentional wrongdoing are generally excluded once established.