D&O, fiduciary, and crime for small private companies, family businesses, and local nonprofits. The accounts below the radar of the big executive-lines markets but still facing real board and officer exposure.
Plain-English appetite. If your risk fits, send the file. We'll give you a clear first read quickly.
Three recent accounts. Classes disguised, structure real.
Third-generation metal fabricator, 90 employees, 5-person board with three independent directors. First D&O purchase after minority-shareholder inquiry. Bundled D&O + fiduciary + crime.
6-branch community bank with $400M in assets. Separate D&O and fiduciary, with crime endorsed for social-engineering. Bound with lender-liability carve-back.
$18M endowment, 15-person volunteer board, running a regional arts center. Bundled D&O + fiduciary + crime with volunteer-director coverage and fundraising event liability.
Plain-English business classes that bind on this line. Each links to a full appetite page with limits, subjectivities, and state nuance.
· See all 45 classes in the appetite index or try the checker