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
11
Carriers
5
Avg impact
+4.1%
Max increase
+20.0%
Max decrease
-6.7%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| CA | 1 | +20.0% |
| CT | 1 | +8.5% |
| GA | 1 | -18.1% |
| IN | 1 | +4.7% |
| KS | 1 | +9.5% |
| KY | 1 | +6.5% |
| LA | 1 | -6.7% |
| NC | 1 | +6.4% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| West Bend Insurance Group6 states | +6.1% | 6 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jan 12, 2026 | Accredited Insurance Holdings 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% |
| Oct 16, 2026 | West Bend Insurance Group | KS | D&O - 2/1/2027 Product Review | +9.5% | +66.7% |
| Jul 24, 2026 | CNA Insurance Group | CT | Individual Solutions Program | +8.5% | +104.5% |
| Apr 29, 2026 | Intact Financial Group | LA | Management Liability | -6.7% | +24.4% |
| Oct 16, 2026 | West Bend Insurance Group | KY | D&O - 2/1/2027 Product Review | +6.5% | +66.7% |
| Oct 16, 2026 | West Bend Insurance Group | NC | D&O - 2/1/2027 Product Review | +6.4% | +66.7% |
| Oct 16, 2026 | West Bend Insurance Group | TN | D&O - 2/1/2027 Product Review | +6.1% | +66.7% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| D&O (Monoline); Side A DIC (Monoline) | Axis Capital Group | Revised | 66 | Nov 10, 2026 |
| Ml Multistate 2026 Quarto Primary and Excess Endorsements (Bhc) | WR Berkley Corporation Group | Revised | 2 | Nov 10, 2026 |
| D&O Statement Series (165-000-172; 165-000-507; 165-000-174) | American International Group | Revised | 97 | Nov 6, 2026 |
| Executive Products Group Program | RLI Insurance Group | Revised | 33 | Nov 6, 2026 |
| Community Association Directors & Officers | Berkshire Hathaway Group | Revised | 62 | Nov 3, 2026 |
| Non-Profit Management Liability | Berkshire Hathaway Group | Revised | 93 | Nov 2, 2026 |
Top carriers
Top states
CT119
NC115
MD79
ID78
TN75
KY74
GA72
MO72