Marsh vs Travelers D&O Insurance

Marsh's financial and professional liability practice places D&O insurance for public, private and non-profit companies; MMA also places D&O coverage within its executive and professional liability practice for middle-market clients. ^5,6Company-reported. Marsh D&O page and MMA executive and professional liability page.

Travelers underwrites D&O liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. ¹⁰Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page.

The reviewed pages do not name a specific D&O insurer. ^5,6Not publicly disclosed. Marsh D&O page and MMA executive and professional liability page as read on 2026-09-23.

The product page's video disclosures name Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ¹⁰Company-reported. Product page video legal footer.

Marsh says public company directors and officers typically face more securities-lawsuit exposure from shareholders and regulators, while private and non-profit organizations more often face employment-practices claims from customers, vendors or regulators; directors and officers of all organization types can face cyber-related liability exposure. ⁵Company-reported. Marsh D&O page, common risks FAQ.

Travelers markets D&O coverage to private companies, public companies, financial institutions and nonprofit organizations with boards of directors, and offers a version specifically for nonprofit organizations. ¹⁰Company-reported. Product page "Who is D&O liability insurance right for?" section and nonprofit D&O video segment.

Marsh says D&O insurance typically has three coverage sides: Side A protects directors' and officers' personal assets when the organization cannot or will not indemnify them; Side B reimburses the organization for indemnifying directors and officers; Side C offers balance-sheet protection when the entity itself is named, generally limited to securities claims for public companies. ⁵Company-reported. Marsh D&O page FAQ; illustrative policy structure, not a specific policy form.

Marsh says ESG-related stakeholder scrutiny, covering areas such as carbon emissions, renewable-energy use, labor practices, board diversity and executive compensation, can add regulatory, legislative or litigation pressure on directors and officers beyond traditional D&O exposures. ⁵Company-reported. Marsh D&O page, What other risks do directors and officers face? section.

Travelers says D&O insurance protects directors and officers from personal losses if sued by employees, vendors, customers or other parties, covering defense costs, settlements and other costs from wrongful-act allegations such as securities litigation, regulatory actions and breach-of-fiduciary-duty claims. ¹⁰Company-reported. Product page introduction and "Travelers knows Directors & Officers Liability Insurance" section; exact terms and exclusions are set by the issued policy.

Not described in the reviewed sources.

The reviewed page does not publish D&O limits, retentions or premiums; it references illustrative claim examples (settlements and defense costs from roughly $85,000 to over $1 million) as general risk context, not as policy terms. ¹⁰Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23.

Not described in the reviewed sources.

D&O coverage is bought through a Travelers independent agent. ¹⁰Company-reported. Product page "Find an insurance agent" call to action.