This type of insurance protects management (officers and directors) of a corporation against damages from claims resulting from negligent or wrongful acts in the course of their duties. This coverage also covers the corporation (and even the officers and directors in some cases) for expenses incurred in defending lawsuits arising from alleged wrongful acts of officers or directors. Often referred to as D&O insurance is typically purchased by the company to protect all directors and officers. Intentional illegal acts or illegal profits are typically no covered under D&O insurance policies
Directors & Officers coverage defends your business against competitor suits involving unfair trade, anti trust or intellectual property infringement. This coverage will also defend and provide coverage in connection with regulatory actions brought by the federal Trade Commission, Federal Drug Administration or The Internal Revenue Service and other governmental agencies.
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