Side A vs Side C D&O: What’s the Difference?

Side A protects an insured individual when the organization cannot indemnify; Side C insures the organization itself for claims described in its grant.

Side C may be limited to securities claims or may use broader private-company wording, so the same label does not establish equivalent scope. The grants may share an aggregate, leaving less for individuals if the entity uses limits first. Review the entity-claim definition, covered defendants, Side A limit and priority clause, and any allocation provision for mixed claims. Check whether the quote includes both grants and any separate Side A-only limit or endorsement.