Beazley vs Coverdash D&O Insurance

Beazley underwrites private-company directors and officers (D&O) liability itself, offered as a standalone product on its D&O - Private Companies page and bundled with employment practices and fiduciary liability coverage in its ExecuGuard package policy. ^5,3Company-reported. US private-company D&O as described on the two reviewed product pages; does not establish which entity issues a particular policy.

Coverdash arranges standalone directors and officers coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^8,9Company-reported. General brokerage terms applied to the D&O page; not specific to any one carrier or state.

Neither the D&O - Private Companies page nor the ExecuGuard page names the specific Beazley insurance entity that issues the policy; ExecuGuard states both admitted and non-admitted versions are available, so the issuing carrier depends on the policy placed. ^5,3Not found in reviewed sources. Both product pages as read on 2026-09-23; the issued policy's declarations control the actual insurer.

The directors and officers page does not name the insurer that issues the policy. ⁹Not publicly disclosed. Reviewed directors and officers page as of 2026-09-23; the page describes coverage without naming a specific carrier.

The D&O page targets privately held companies of all sizes facing litigation such as employment allegations, fraud and misrepresentation claims, without a stated employee-count or revenue threshold on that page. ^5,3Company-reported. Private-company D&O only; ExecuGuard buyers can additionally choose to share limits across D&O, EPL and fiduciary coverages.

Coverdash says any company with a board, investors or executives making decisions on its behalf needs D&O, and that it is frequently required as a condition of funding. ⁹Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and the specific funding or governance situation.

The D&O product lets the policyholder choose between a "duty to defend" or "pay on behalf" claim-handling structure, and Beazley says it pays 100% of defense costs for covered loss. ⁵Company-reported. D&O - Private Companies product page; actual defense obligations and cost-sharing are set by the issued policy.

Beazley offers a dedicated additional Excess Side A limit that responds for individual directors and officers when the company cannot indemnify them or the underlying limit is exhausted, plus an optional employed-lawyers errors-and-omissions extension. ⁵Company-reported. D&O - Private Companies product page; availability and pricing of the extension depend on underwriting.

Coverdash describes directors and officers coverage as protecting the company's directors, officers and the company itself against claims that a leadership decision caused financial harm, suits from investors or shareholders, and regulatory investigations, and pays defense costs and settlements for covered claims. ⁹Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash sells this standalone Directors & Officers product separately from its bundled management liability product, which adds optional employment-practices, fiduciary and crime coverage on top of the D&O core. ⁹Company-reported. Comparison of the directors-and-officers and management-liability product pages; does not establish which structure is cheaper or better suited to a given company.

Beazley advertises private-company D&O limits up to US $20 million, on either an admitted or non-admitted (surplus lines) basis; actual limits and retentions are set by underwriting and appear on the declarations. ^5,3Company-reported. Advertised maximum capacity, not a guaranteed quote amount.

The directors and officers page does not publish specific limit, retention or deductible amounts. ⁹Not publicly disclosed. Reviewed directors and officers page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

D&O policyholders get pre-approved choice-of-counsel flexibility, and law-firm insureds can access a bespoke executive-risk wording through Beazley's related Practice Protect product. ⁵Company-reported. D&O - Private Companies product page; scope and terms of the Practice Protect wording were not independently reviewed.

Not described in the reviewed sources.

Beazley lists a downloadable EPL renewal application as a tool on the D&O page and names regional Executive Risk underwriters and brokers as contacts, but the reviewed page does not describe a self-service online quoting flow for new D&O business. ⁵Company-reported. D&O - Private Companies product page as read on 2026-09-23; buyers typically work through a broker or underwriter contact.

Coverdash describes a fully digital quote-to-purchase process for directors and officers coverage, with the option to add other coverages alongside it. ⁹Company-reported. Product-page company information and cross-sell section.

Beazley illustrates its D&O claims approach with a securities class-action and shareholder derivative-action scenario in which its claims team worked with the insured's defense counsel toward a dismissal, avoiding a settlement; this is a single company-reported example, not audited claims-outcome data. ³Company-reported. ExecuGuard page scenario section; outcome statistics are not independently verified.

Not described in the reviewed sources.