🛡️ Cyber & Executive Risk

Executive Risk Architecture: Directors & Officers (D&O) Liability Towers

By Commercial Underwriting Review Board

Underwriting & Coverage Summary

Safeguarding corporate leadership: structuring Side A (individual protection), Side B (corporate reimbursement), and Side C (entity securities) D&O towers.

Corporate directors and executives face personal financial liability for management decisions. Structuring a dedicated D&O tower shields personal executive assets.

1. D&O Coverage Structure (Side A / B / C)

D&O Insuring ClauseProtected PartyDeductible / RetentionBankruptcy Protection
Side A (Non-Indemnified)Individual Directors & Officers$0 Retention100% Dedicated (DIC)
Side B (Company Reimbursement)Corporate EntityCorporate Retention AppliesAsset of Bankruptcy Estate
Side C (Entity Securities)Public / Private Company EntityCorporate Retention AppliesAsset of Bankruptcy Estate
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