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Because we have the local expertise to address tough issues on directors' and officers' liability insurance, here are some examples of some topics you can expect to be discussed:

We will show you how certain clauses can:
  • Protect those directors' who are unaware of certain circumstances, claims, etc., against another who may have provided misstatement of information so that it will not be imputable to all covered persons.
  • Provide defense costs for some exclusions until there has been a final adjudication (innocent until proven guilty).
  • Ensure limits are first available for the directors' and officers', since the addition of “the entity” can exhaust limits available to the directors' and officers'.
  • Limit coverage for a director who serves on an outside board.
  • Limit coverage altogether.
We will show you:
  • Ways to protect your limits for the following term.
  • How to avoid diluting your limits (sharing of limits when such coverages as fiduciary, employment practices, etc., form part of your directors' and officers policy).
  • How to prepare for the annual due diligence exercise, which is very serious and important.
  • What considerations are required before changing insurers, from the warranty that needs to be signed to what not to do.
In closing, a close look at your corporate risks would permit us a review of your following programs:
  • Directors' and officers' liability
  • Fiduciary liability
  • Employment practices liability
  • Miscellaneous professional liability (errors and omissions)
  • Commercial crime / computer crime
  • Special crime (kidnap, ransom and extortion)