Product background
Directors and officers liability protects corporate directors and officers from claims arising out of their management duties, often through claims-made management liability forms.
D&O filing research is useful for comparing Side A, entity coverage, securities claims, insured-versus-insured exclusions, conduct exclusions, prior acts, severability, allocation, and application representations.
Common filing signals
- D&O policy forms, management liability applications, declarations, and Side A forms
- Insured-versus-insured, conduct, prior acts, securities, merger, and bankruptcy endorsements
- Defense, advancement, allocation, severability, hammer clause, and extended reporting terms
Rate impact
Filings
19
Carriers
6
Avg impact
+3.1%
Max increase
+20.0%
Max decrease
-18.1%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| CA | 3 | +11.1% |
| GA | 2 | -7.8% |
| LA | 2 | +2.9% |
| AK | 1 | +4.3% |
| DE | 1 | +3.3% |
| HI | 1 | +6.2% |
| ID | 1 | +2.4% |
| KS | 1 | +3.1% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Randall & Quilter Investment Group1 states | +20.0% | 1 |
| CNA Insurance Group1 states | -18.1% | 1 |
| Berkshire Hathaway Group1 states | +12.7% | 1 |
| Travelers Group14 states | +3.1% | 14 |
| Brotherhood Mutual Insurance Company1 states | +1.8% | 1 |
| Markel Corporation Group1 states | +0.5% | 1 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jan 12, 2026 | Randall & Quilter Investment Group | CA | Community Association Select Rate Revision | +20.0% | +20.0% |
| May 28, 2026 | CNA Insurance Group | GA | Individual Solutions Program | -18.1% | +0.5% |
| Jul 31, 2025 | Berkshire Hathaway Group | CA | Non-Profit Management Liability | +12.7% | +137.9% |
| Oct 14, 2025 | Travelers Group | HI | Community Associations Rate Filing 2025-05-0777 | +6.2% | +14.5% |
| Oct 14, 2025 | Travelers Group | AK | Community Associations Rate Filing 2025-05-0777 | +4.3% | +9.7% |
| Oct 14, 2025 | Travelers Group | LA | Community Associations Rate Filing 2025-05-0777 | +4.0% | +9.8% |
| Oct 14, 2025 | Travelers Group | OR | Community Associations Rate Filing 2025-05-0777 | +3.5% | +14.6% |
| Oct 14, 2025 | Travelers Group | MS | Community Associations Rate Filing 2025-05-0777 | +3.5% | +14.6% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| D&O Statement Series (165-000-172; 165-000-507; 165-000-174) | American International Group | Revised | 31 | Jun 23, 2026 |
| Individual Solutions Program | CNA Insurance Group | Revised | 13 | Jun 23, 2026 |
| Hartford Professional - Fiduciary Endorsement Filing | AXA Insurance Group | Revised | 8 | Jun 23, 2026 |
| Starr Secure for Public Companies – D & O | Starr Group | New | 53 | Jun 18, 2026 |
| Ess Ek - E-Risk Business & Mgmt Indemnity | Nationwide Corporation Group | Revised | 23 | Jun 18, 2026 |
| Excess Follow Form Insurance Policy | American Financial Group | Revised | 5 | Jun 18, 2026 |
Top carriers
OLD Republic Group384
Chubb Limited Group296
Travelers Group245
Berkshire Hathaway Group219
American Financial Group190
Zurich Insurance Group144
WR Berkley Corporation Group128
Cincinnati Financial Group118
Top states
CT122
NC109
TN86
MO84
ID82
KY81
NV75
MD72