Requirements depend on the actual agreement. Review policy documents and confirm requested terms with the broker.[2]
If an agreement asks for D&O, ask which entity and work it applies to. No universal customer or investor requirement is asserted here.[8][9]
Read the B2B Insurance Buying Guide
Sources and Further Reading
- Launch your business — Get business insurance — U.S. Small Business Administration. Business insurance overview, common types and buying steps; broad federal mandate statement not relied on.
Risk assessment and quote comparison; illustrative, not a required stack.
- Small Business Insurance — National Association of Insurance Commissioners. Small-business coverage categories, exclusions, property interests.
General coverage purposes and exclusions, not policy wording.
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024: buying cover; property/time-element; inland marine; equipment breakdown; GL; workers compensation; rating.
CDI explanations of commercial coverage; jurisdiction-specific legal content stays California-only.
- Cyber Insurance — Federal Trade Commission (content developed with NAIC and federal partners). First-party and third-party cyber examples; not policy wording.
First/third-party examples to turn into quote questions, not promises.
- Cybersecurity for Small Business — Federal Trade Commission. Supplier risk assessment and vendor-breach response.
- DWC employer information — California Department of Industrial Relations, Division of Workers’ Compensation. Employer requirement and out-of-state employer note.
California workers compensation requirement and limited out-of-state note.
- DWC FAQs for employers — California Department of Industrial Relations, Division of Workers’ Compensation. Employee and owner distinctions in employer FAQ.
- Consequences of Noncompliance — U.S. Securities and Exchange Commission. Potential consequences of specified securities-law noncompliance; not insurance.
- Small Business ForeFront Portfolio 3.0 for Private Companies — Chubb. Named private-company product lists D&O; not a universal requirement or policy form.
- Health Care Insurance Coverage for Self-Employed Individuals — HealthCare.gov, Centers for Medicare & Medicaid Services. Marketplace options for self-employed people and job-based coverage.
- Covered California for Small Business — Covered California. California individual versus small-business health coverage.
- Business Interruption and Business Owner Policy — National Association of Insurance Commissioners. Business interruption, BOP, covered physical-loss trigger, contingent interruption.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education. Policy wording and applicable state rules determine terms for a particular business.
Updated 2026-09-28. Editorial Policy
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