Secure Your Leadership—
Directors & Officers (D&O) Insurance in Florida

Leadership Comes With Risk—
D&O Insurance Shields What Matters Most

Directors and Officers Insurance (D&O) protects the personal assets of your company’s leaders—and the organization itself—if they’re sued for decisions made while managing the business. Shareholders, employees, competitors, regulators, or even donors can file lawsuits over claims of negligence, misrepresentation, breach of duty, or other alleged management errors. D&O insurance covers legal defense costs, settlements, and judgments—so one accusation doesn’t put your leadership’s livelihoods on the line.

What Does D&O Insurance Cover?

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Defense Costs

Pays for lawyers and legal expenses when directors or officers are named in a lawsuit.

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Settlements & Judgments

Covers monetary damages if a board member or officer is found liable for a covered claim.

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Claims of Wrongdoing

Includes allegations of mismanagement, breach of fiduciary duty, misleading statements, negligence, and more.

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Broad Range of Plaintiffs

Lawsuits may come from shareholders, investors, vendors, employees, competitors, residents (for HOAs), or regulatory bodies.

It’s Not Just for Big Corporations—Small Businesses & Nonprofits Too

Private Businesses:

 Even small LLCs, startups, and family-run firms can face D&O lawsuits from investors, partners, or outside parties.


Nonprofits & Associations:

Volunteer board members, charity directors, and HOA leadership are at risk if residents, donors, or employees claim funds were misused or decisions harmed the organization.


Community Organizations:

Condo boards, school booster clubs, and more—if you sit on a board, D&O protects your personal assets against claims related to board actions.

Peace of Mind for North Florida Businesses and Boards

Whether you run a growing business or serve on a nonprofit board, D&O coverage means a lawsuit won’t threaten your home, savings, or reputation. Proper Insurance Advisors helps organizations of all sizes secure affordable, appropriate D&O protection—often combined with EPLI or other management liability coverage for comprehensive risk management.

Expert Legal Help
When You Need It Most

D&O insurance doesn’t just provide funding—it connects you with legal experts who manage the entire claims process. If a lawsuit is filed, the insurer steps in with a defense team, so you and your leadership aren’t left to handle it alone. With Proper Insurance, you’ll have a plan and a partner from day one.

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Directors & Officers Insurance—Your Questions, Answered

  • What is D&O insurance, and who needs it?

    D&O protects directors and officers (and the organization) against claims related to their management decisions. Any business or nonprofit with a board or executive team should consider it.

  • Does my small business or nonprofit really need D&O?

    Yes—claims aren’t limited to large companies. Private businesses, nonprofits, HOAs, and community groups are all at risk.

  • What does D&O insurance cover in Florida companies?

    Legal defense, settlements, and judgments for management liability claims—mismanagement, breach of duty, and more.

  • How much does D&O insurance cost?

    Premiums are based on company size, revenue, and risk—but affordable options exist for small businesses and nonprofits.

  • Can D&O be combined with other coverages?

    Yes—ask us about combining D&O with EPLI or other management liability insurance for a complete package.

Protect Your Board and Business—Get a D&O Insurance Quote Today

Don’t let a lawsuit put your leadership or organization at risk. Ask Proper Insurance Advisors about D&O coverage and give your board confidence to lead.