Personal, not just corporate
D&O protects the individual directors and officers named in a claim, alongside the entity itself — their personal assets are what’s actually exposed.
D&O
Private companies, non-profits and associations carry personal exposure for the people who run them.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Directors and officers liability responds to claims alleging a wrongful act in how an organisation was governed, and it protects the individual directors, founders and executives who are sued. Private companies, non-profits and associations all carry the exposure, whatever their size. Cennairus places it for the boards other markets pass on: we shop it across the panel.
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D&O protects the individual directors and officers named in a claim, alongside the entity itself — their personal assets are what’s actually exposed.
Management liability is written by a narrower set of carriers than general commercial lines — appetite depends heavily on entity type, revenue and governance.
A volunteer board member faces the same personal-liability exposure as a for-profit director, often with less awareness that it exists.
Revenue, net assets and prior claims history are pulled from statements and filings so the submission reflects the entity accurately.
Specialist underwriters who write private and non-profit D&O, reached directly.
Statements and filings are parsed into the submission so underwriting sees the picture the first time.
Management liability rarely travels alone — quote the whole tower in one pass.
Who buys it: privately held companies and their boards; non-profits, foundations and associations; homeowners’ and condo associations; financial institutions and credit unions; companies raising capital or preparing for sale; family-owned businesses transitioning leadership.
The vote the board took, the statement made to investors, the decision that gets revisited two years later — that is what this coverage stands behind.
Any organisation with a board carries the exposure — size does not remove it.
D&O covers governance decisions — how the organisation was directed.
Most forms include entity coverage alongside individual protection, though the balance differs by policy and by whether the organisation is public, private or non-profit — worth confirming on the specific form.
Financial statements, entity type and structure, board size, and any prior claims or circumstances that could lead to one.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
