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Directors and officers liability Insurance (often called "D&O") is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously. Intentional illegal acts, however, are typically not covered under D&O policies.

It has become closely associated with broader management liability insurance, which covers liabilities of the corporation itself as well as the personal liabilities of the directors and officers of the corporation.


With over 20 years of experience in the public markets, we have established proprietary processes and products to provide comprehensive Outsourced Risk Management Solutions at no cost to the Microcap company.  Our fees are derived 100% from the insurance carriers.

Executives, Officers, Directors, and Administrators of Microcap companies have significant management liability exposures.  Failure to establish cooperate governance standards and a comprehensive risk management/management liability program exposes the personal assets of Executives, Officers, Directors, and Administrators.  These liabilities can arise from vendors, shareholders, customers, employees and more. 

The challenge for the management of most Microcaps is that they lack the time and knowledge to establish a comprehensive risk management program and they cannot afford to pay someone who can. 

Here is how is how our Outsourced Risk Management Solutions work:

Step 1

Due Diligence – We provide you with a brief questionnaire.  The questionnaire enables us to become familiar with your organization and management team.  Once the questionnaire is complete, we will take the information you provided and use our proprietary process to secure the remaining data to submit applications to insurance carriers.

Step 2

Shop for insurance – we will take your applications, the knowledge of your business and understanding of management needs to shop the market for the best pricing and coverage options that meet the needs of your company. With our knowledge of your business and understanding of the public markets, we have more leverage with the underwriters enabling us to negotiate with the carriers to remove unwanted or unneeded coverage, add in needed coverage specific to your company and push one carrier against another to drive down pricing.

Step 3

We present you with our findings and propose to you your options in an easily digestible format for management to make an educated decision.


Easy Process – upload your policies, and we will give you a complimentary comprehensive review of your existing insurance policies with an emphasis on ensuring the current corporate insurance policies are protecting the personal assets of the Senior Management Team and Board of Directors. At the conclusion of our review, we will provide a written analysis that can be utilized to present to your Board and Senior Management.