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
22
Carriers
7
Avg impact
+2.3%
Max increase
+20.0%
Max decrease
-18.1%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| CA | 4 | +4.5% |
| GA | 2 | -7.8% |
| LA | 2 | -1.4% |
| AK | 1 | +4.3% |
| CT | 1 | +8.5% |
| DE | 1 | +3.3% |
| HI | 1 | +6.2% |
| KS | 1 | +3.1% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Randall & Quilter Investment Group1 states | +20.0% | 1 |
| Intact Financial Group1 states | -6.7% | 1 |
| New York Municipal Insurance Reciprocal1 states | +5.0% | 1 |
| CNA Insurance Group2 states | -4.8% | 2 |
| Travelers Group14 states | +3.1% | 14 |
| Zurich Insurance Group1 states | -1.3% | 2 |
| 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 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 14, 2025 | Travelers Group | HI | Community Associations Rate Filing 2025-05-0777 | +6.2% | +14.5% |
| Sep 9, 2026 | New York Municipal Insurance Reciprocal | NY | Po Rate 2027 | +5.0% | +5.0% |
| 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% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| D&O Statement Series (165-000-172; 165-000-507; 165-000-174) | American International Group | Revised | 88 | Sep 15, 2026 |
| Everest Expedition Private Company Management Liability | Everest Reins Holdings Group | Revised | 23 | Sep 15, 2026 |
| Starfish Community Association D&O | Ascot Insurance US Group | Revised | 10 | Sep 15, 2026 |
| Family Offices and Trusts | QBE Insurance Group | Revised | 6 | Sep 15, 2026 |
| Proshield Phase V & Vi | Liberty Mutual Group | Revised | 1 | Sep 15, 2026 |
| Travelers Wrap 2.0 Directors, Officers, and Entity Liability Coverage for Nonprofit Entities Rate/Rule Filing 2026-01-0746 | Travelers Group | New | 2 | Sep 14, 2026 |
Top carriers
Berkshire Hathaway Group299
Chubb Limited Group217
American Financial Group187
Travelers Group185
OLD Republic Group182
WR Berkley Corporation Group133
American International Group131
Zurich Insurance Group109
Top states
CT119
NC111
NV78
ID77
TN76
MD75
MO75
GA72