--- title: "Directors and Officers (D&O) Insurance in Missouri" description: "See Missouri business-corporation charter limits, statutory exceptions, and indemnity rules for a successful defense." canonical: "https://spot.insure/coverage/directors-officers/missouri" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/directors-officers/missouri) # Directors and Officers (D&O) Insurance in Missouri Missouri business-corporation articles may limit a director’s damages liability, but the limit cannot reach loyalty breaches, bad-faith or intentional misconduct, knowing law violations, § 351.345 liability, or an improper personal benefit. Chapter 351 rules apply to Missouri business corporations; confirm each insured’s legal form and incorporation jurisdiction before relying on them.[^1][^2] **Coverage:** [Directors and officers](/coverage/directors-officers) · [Missouri](/coverage/states/missouri) ## What Is Directors And Officers? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [Read the national Directors and officers guide](/coverage/directors-officers). ## What to Watch for in Missouri ### Charter Limits Leave Specific Claims Exposed Missouri permits a director-liability limit in the articles, but § 351.055(9) preserves the listed loyalty, bad-faith, intentional, knowing-law-violation, § 351.345, and improper-benefit claims. Compare those allegations with the policy’s exclusions and insured-person wording.[^1] ### Check When the Charter Provision Took Effect The Missouri articles provision cannot eliminate liability for conduct before the provision became effective. Ask for the filed articles and amendments and identify the date of the conduct alleged in a claim.[^1] ### Missouri Has a Successful-Defense Expense Rule Section 351.355(3) provides expense indemnification for a director or officer successful on the merits or otherwise, except as the articles or bylaws provide otherwise. Ask whether defense costs are advanced under the policy and how the undertaking or repayment terms work.[^2] ## Who Regulates Insurance in Missouri **Missouri Department of Commerce and Insurance.** Missouri DCI licenses insurance producers and insurers, reviews property and casualty rates and forms, and investigates complaints against insurance companies and producers.[^3][^4][^5][^6] - [Regulator website](https://insurance.mo.gov/) - [License lookup](https://insurance.mo.gov/companies/find-insurance-agentagency) - [File a complaint](https://insurance.mo.gov/consumer-complaints/insurance-complaints) - Phone: 800-726-7390 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 5% of premium; Missouri taxes the entire gross premium when Missouri is the home state When Missouri is the insured’s home state, the state applies its 5% surplus-lines tax to the entire gross premium of a multistate policy; the regulator’s FAQ says the tax includes applicable fees. Eligible nonadmitted insurers do not participate in the Missouri Guaranty Fund, and Missouri generally requires the full amount or kind of coverage to be unavailable from admitted insurers before placement; an exempt commercial purchaser search exception has separate disclosure and written-request conditions.[^7][^8][^9][^10] ## Providers With Documented State Licenses These providers publish a national listing for Directors and officers; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Missouri; [check the regulator’s license lookup](https://insurance.mo.gov/companies/find-insurance-agentagency) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^12] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^17] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^18] ## Questions to Ask Before You Buy in Missouri 1. Do our Missouri articles or bylaws change the statutory rule for successful defense expenses? 2. Which of the § 351.055(9) exceptions could apply to the conduct alleged, and how does the policy handle those allegations? 3. What documents must we provide before defense costs can be advanced, and can the insurer pay counsel directly? ## Directors And Officers in Missouri: FAQ ### Can Missouri articles limit a director’s personal liability? Yes. Missouri articles may limit a director’s monetary liability to the corporation or shareholders, subject to the exceptions in § 351.055(9).[^1] ### Must a Missouri corporation reimburse a director who successfully defends a case? Generally, § 351.355(3) requires reimbursement of reasonable defense expenses after a successful defense, unless the articles or bylaws provide otherwise. That corporate obligation is separate from payment under a D&O policy.[^2] ## Directors And Officers in Other States - [Alabama](/coverage/directors-officers/alabama) - [Alaska](/coverage/directors-officers/alaska) - [Arizona](/coverage/directors-officers/arizona) - [Arkansas](/coverage/directors-officers/arkansas) - [California](/coverage/directors-officers/california) - [Colorado](/coverage/directors-officers/colorado) - [Connecticut](/coverage/directors-officers/connecticut) - [Delaware](/coverage/directors-officers/delaware) - [District of Columbia](/coverage/directors-officers/district-of-columbia) - [Florida](/coverage/directors-officers/florida) - [Georgia](/coverage/directors-officers/georgia) - [Hawaii](/coverage/directors-officers/hawaii) - [Idaho](/coverage/directors-officers/idaho) - [Illinois](/coverage/directors-officers/illinois) - [Indiana](/coverage/directors-officers/indiana) - [Iowa](/coverage/directors-officers/iowa) - [Kansas](/coverage/directors-officers/kansas) - [Kentucky](/coverage/directors-officers/kentucky) - [Louisiana](/coverage/directors-officers/louisiana) - [Maine](/coverage/directors-officers/maine) - [Maryland](/coverage/directors-officers/maryland) - [Massachusetts](/coverage/directors-officers/massachusetts) - [Michigan](/coverage/directors-officers/michigan) - [Minnesota](/coverage/directors-officers/minnesota) - [Mississippi](/coverage/directors-officers/mississippi) - [Montana](/coverage/directors-officers/montana) - [Nebraska](/coverage/directors-officers/nebraska) - [Nevada](/coverage/directors-officers/nevada) - [New Hampshire](/coverage/directors-officers/new-hampshire) - [New Jersey](/coverage/directors-officers/new-jersey) - [New Mexico](/coverage/directors-officers/new-mexico) - [New York](/coverage/directors-officers/new-york) - [North Carolina](/coverage/directors-officers/north-carolina) - [North Dakota](/coverage/directors-officers/north-dakota) - [Ohio](/coverage/directors-officers/ohio) - [Oklahoma](/coverage/directors-officers/oklahoma) - [Oregon](/coverage/directors-officers/oregon) - [Pennsylvania](/coverage/directors-officers/pennsylvania) - [Rhode Island](/coverage/directors-officers/rhode-island) - [South Carolina](/coverage/directors-officers/south-carolina) - [South Dakota](/coverage/directors-officers/south-dakota) - [Tennessee](/coverage/directors-officers/tennessee) - [Texas](/coverage/directors-officers/texas) - [Utah](/coverage/directors-officers/utah) - [Vermont](/coverage/directors-officers/vermont) - [Virginia](/coverage/directors-officers/virginia) - [Washington](/coverage/directors-officers/washington) - [West Virginia](/coverage/directors-officers/west-virginia) - [Wisconsin](/coverage/directors-officers/wisconsin) - [Wyoming](/coverage/directors-officers/wyoming) [Other Coverage in Missouri](/coverage/states/missouri) ## Sources [^1]: [Revised Statutes of Missouri § 351.055](https://revisor.mo.gov/main/OneSection.aspx?section=351.055) — Missouri Revisor of Statutes; Subsection 9, optional director-liability provision, exceptions, and prospective effect. Accessed 2026-09-28. [^2]: [Revised Statutes of Missouri § 351.355](https://revisor.mo.gov/main/OneSection.aspx?section=351.355) — Missouri Revisor of Statutes; Subsections 3–5, successful-defense expenses, approval and advancement. Accessed 2026-09-28. [^3]: [Missouri Department of Commerce and Insurance](https://insurance.mo.gov/) — Missouri Department of Commerce and Insurance; Official insurance regulator homepage.. Accessed 2026-09-28. [^4]: [Find an Insurance Agent/Agency](https://insurance.mo.gov/companies/find-insurance-agentagency) — Missouri Department of Commerce and Insurance; Official DCI search page says its License & Contact Info search covers licensed agents and agencies; it links to company search.. Accessed 2026-09-28. [^5]: [Insurance Complaints](https://insurance.mo.gov/consumer-complaints/insurance-complaints) — Missouri Department of Commerce and Insurance; Complaint filing page; says Consumer Affairs investigates complaints against insurers and producers; consumer hotline 800-726-7390.. Accessed 2026-09-28. [^6]: [Insurance Company Rate, Rule and Policy Form Filings](https://insurance.mo.gov/companies/insurance-company-rate-rule-policy-form-filings) — Missouri Department of Commerce and Insurance; Official DCI rate, rule and form filing page; identifies state oversight of insurer product filings.. Accessed 2026-09-28. [^7]: [Surplus Lines FAQs](https://insurance.mo.gov/industry-faqs/surplus-lines-faqs) — Missouri Department of Commerce and Insurance; FAQ states 5% of Missouri net premium including applicable fees and eligible surplus-lines companies do not participate in the Guaranty Fund.. Accessed 2026-09-28. [^8]: [RSMo §384.061](https://revisor.mo.gov/main/OneSection.aspx?section=384.061) — Missouri Revisor of Statutes; Subsections 1–2: entire gross premium is taxed when Missouri is home state; Chapter 384 placement regulation applies only when Missouri is home state.. Accessed 2026-09-28. [^9]: [RSMo §384.021](https://revisor.mo.gov/main/OneSection.aspx?section=384.021) — Missouri Revisor of Statutes; Admitted-market availability rule and exempt commercial purchaser due-diligence exception; exception conditions appear in subsection 2.. Accessed 2026-09-28. [^10]: [Surplus Lines FAQs](https://insurance.mo.gov/industry-faqs/surplus-lines-faqs) — Missouri Department of Commerce and Insurance; FAQ says eligible surplus-lines insurers do not participate in the Guaranty Fund.. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) — Missouri Department of Commerce and Insurance; Company name: THE PIE INSURANCE COMPANY; status Active; NAIC 21857; license B424258; Property and Casualty; date admitted 1999-07-07. The page has no expiry/renewal field. Accessed 2026-09-28.. Accessed 2026-09-28. [^17]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^18]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/directors-officers/missouri.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)