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D&O Insurance

Directors & Officers insurance protects the company and its management from the costs of certain lawsuits and regulatory actions. It is typically the best fit for businesses with high liabilities, those that need to attract quality executive leadership, and businesses with a board of directors. 

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Save up to 42%
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Full D&O Market Access
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In House Claims Team

4.9 out of 5 customer review rating

4.9 out of 5 customer review rating

What is D&O Insurance

D&O insurance protects the company and its executives from certain claims made against them. Shareholders, competitors, investors, etc., can sue a company’s directors and officers, putting their personal assets at stake. Directors and officers (D&O) insurance protects these assets from lawsuits alleging leaders of wrongful acts managing the business.

Why you need D&O insurance

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To protect acting board members and officers

If you’re acting as an officer or board member, you have a fiduciary duty to your investors. This means they can hold you liable if they feel you breached that duty, putting your personal assets as risk. 

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To defend against allegations

Companies’ directors and officers  are at risk for allegations such as breach of fiduciary duty, misrepresentation, and ownership disputes.

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To protect your financials

If you’re held liable in any of the claims listed above, your D&O policy will cover legal fees, settlements, and financial losses. 

What D&O Insurance Covers

Side A

Protects solely the individual directors by paying the defense costs and settlements levied on the directors as a result of a lawsuit. Side A will only pay the individual directors when the entity is unable (i.e. insolvent) or legally not permitted to do so. Typically, individual directors will ensure that the company purchases additional Side A coverage on top of the traditional ABC coverage.

Side B

Indemnifies the entity after the entity has paid the individuals named in the lawsuit.

Side C

This is entity coverage. Should the entity be named along with the individual directors in a lawsuit, this coverage protects the balance sheet of the company and will reimburse and costs/settlements incurred.

Client Case Studies

SaaS Logistics Platform

Another broker quoted a SaaS logistics platform their Directors & Officers insurance at $50,000. We quoted and saved them 42% via Scale Underwriting, landing on a budget-friendly $35,000 premium.

NFT Developer

An NFT developer came to us from a different startup-focused broker, asking for a D&O and E&O/Cyber quote. We delivered them a 40% total savings.


When a blockchain infrastructure company needed a D&O limit increase, we provided coverage for a similar amount at a $2M limit as another broker could at only $1M.

Enhancements Available

Every company faces unique risks, so we’ve structured your policy to fill the gaps in coverage with numerous market-leading enhancements:

Additional Dedicated Individual Limit
Expanded Dropdown Coverage
Broader Fines and Penalties Coverage
Crisis Management Costs
Pre-Claim Inquiry / Document Production Costs
Shadow Director and Outside Director Liability Coverage
Employed Lawyer Professional Liability Extension
Whistleblower Coverage
Extradition Costs
Personal Reputation Costs

Partnering with Founder Shield

We’re a risk management partner for high-growth companies across emerging markets, striving to create the most seamless, intuitive, and responsive insurance-purchasing experience powered by proprietary technology and insurance products.

Trusted by Venture


VC-backed companies served


Total Funding Raised by Clients


NPS Score (Industry Average = 34)

Don’t just take our
word for it

With a Net Promoter Score of 60+, Founder Shield is one of the highest rated insurance companies in the market

Service and Capabilities

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Bespoke Insurance Packages

We custom-build insurance packages tailored to your industry, operational model, and fundraising activity that scale as you continue to grow and raise capital.

Claims Advocacy

In-house claims advocacy team of lawyers to ensure optimal outcomes when your insurance package is needed most: claims situations.

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We utilize our technology platform to streamline the application & renewal process and automate all back-end document generation and carrier API connectivity to balance the customer experience with maximum quoting reach.

Market Access

We have access to over 200 markets including the top global insurance carries and specialty providers serving niche risks.

New Customer Testimonials

Schedule Time with a D&O Expert

Our team of coverage experts partners with your team to engineer your risk management strategy to protect your executive leadership and board of directors. We take the time to understand the intricacies of your company

such as your company’s size, industry, assets, financial security & claim history, to get you the best possible D&O coverage. Schedule time with a specialist for a full risk assessment and we’ll walk you through the process of finding the right D&O policy for you.

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Risk Calibration: Let’s figure out if you’re under- or over-insured and whether your current policies have detrimental gaps.
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Identify Cost Savings: We’ll compare your current policies with our extensive benchmarking database to see if your risk and costs have kept pace.
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Contract Review: Most of the time clients will make reasonable requirements. There are times, however, when some outlandish requirements should serve as red flags.
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Risk Roadmap: Walk away with a detailed plan to manage risk as your company scales — no strings attached.