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
20
Carriers
6
Avg impact
+2.7%
Max increase
+20.0%
Max decrease
-18.1%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| CA | 3 | +6.4% |
| GA | 2 | -7.8% |
| LA | 2 | +2.9% |
| 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 |
| CNA Insurance Group2 states | -4.8% | 2 |
| Travelers Group14 states | +3.1% | 14 |
| Brotherhood Mutual Insurance Company1 states | +1.8% | 1 |
| Zurich Insurance Group1 states | -1.3% | 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 24, 2026 | CNA Insurance Group | CT | Individual Solutions Program | +8.5% | +104.5% |
| 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 |
|---|---|---|---|---|
| Non-Profit Management Liability | Berkshire Hathaway Group | Revised | 54 | Aug 11, 2026 |
| Executive Products Group Program | RLI Insurance Group | Revised | 22 | Aug 11, 2026 |
| Asset Management Protector by Chubb - Professional Liability | Chubb Limited Group | Revised | 13 | Aug 11, 2026 |
| the Westchester Portfolio Management Liability Policy Directors & Officers and Company Liability Coverage Section Private Company | Chubb Limited Group | Revised | 10 | Aug 11, 2026 |
| Directors & Officers Liability | Berkshire Hathaway Group | Revised | 36 | Aug 10, 2026 |
| the Forefront Portfolio Directors and Officers and Entity Liability for Private Companies | Chubb Limited Group | Revised | 31 | Aug 6, 2026 |
Top carriers
Chubb Limited Group318
OLD Republic Group296
Berkshire Hathaway Group277
Travelers Group209
American Financial Group190
Zurich Insurance Group137
WR Berkley Corporation Group127
Cincinnati Financial Group118
Top states
CT128
NC114
TN97
ID86
KY82
MO82
NV82
MD79