Coverage intent
Side A DIC coverage protects individual directors and officers when indemnification or underlying insurance is unavailable, often through difference-in-conditions wording.
Coverage impact
Side A DIC wording is a high-stakes D&O coverage area. Conditions, exclusions, drop-down triggers, and non-rescindability language can separate ordinary D&O from executive asset protection.
Where this language appears
Matching form records, product lines, state activity, and recent examples for this coverage language.
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Sample form language
A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.
Selected form
Executive First Side A++ DIC Directors & Officers Liability Policy
Form #: EP-EF-DICA-001 11/2023
Berkshire Hathaway Specialty Insurance Company
Directors and Officers Liability
KS | Jan 12, 2026
This policy form frames Side A DIC coverage around insured-person-only protection, excess events, DIC events, and loss not paid or indemnified by the company or an outside entity.
Side A DIC insuring agreement
This Policy is intended for the benefit of the Insured Persons only and in no event shall this Policy cover any matter against the Company or any amount the Company or Outside Entity indemnifies, advances or pays on behalf of an Insured Person. Section I - Insuring Agreement The Insurer shall pay on behalf of the Insured Persons any and all Loss incurred as a result of a Policy Trigger during the Policy Period that is an Excess Event or a DIC Event, but only to the extent such Loss is not paid or indemnified by the Company or Outside Entity and such Policy Trigger is reported to the Insurer as required by this Policy.
Selected excerpt from this form.
Notable language points
- 01States that the policy is intended for insured persons rather than the company.
- 02Links payment to excess and DIC event triggers.
- 03Responds where loss is not paid or indemnified by the company or outside entity.
Related insurance form pages
Related coverage topics
Review insured vs insured exclusion in admitted P&C policies, including matching form records, product lines, common form names, and recent filings.
Prior acts exclusionReview prior acts exclusion in admitted P&C endorsements, including matching form records, product lines, common form names, and recent filings.