---
title: "Directors and Officers (D&O) Insurance"
description: "Buy D&O insurance with Spot: a prepared submission, broker proposals compared on insureds, defense costs and exclusions, and your policy kept on file."
canonical: "https://spot.insure/insurance/directors-officers"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/insurance/directors-officers)

## Agent Guide

**What this page is:** Buy D&O insurance with Spot: a prepared submission, broker proposals compared on insureds, defense costs and exclusions, and your policy kept on file.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Spot for Directors and Officers (D&O) Insurance

Get quotes from directors and officers insurance providers with Spot.

When your board or investors ask about D&O, we prepare your application, compare quotes with you and keep proof of coverage ready.

- Cover for individuals, reimbursement and the company compared side by side
- Defense costs, retention and exclusions laid out before you bind
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?coverage=directors-officers). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch.

## How Spot helps

1. **Tell us who owns and runs the company.** Your Spot team collects your entity structure, ownership, financial information, planned transactions and any claims or disputes, then builds a submission your broker can take to underwriters without chasing you for the rest.
2. **See who each quote protects.** For each proposal your broker brings back, we show whether it protects individuals when the company can’t indemnify them, reimburses the company when it does, and responds to claims against the company itself.
3. **See how each quote pays legal costs.** Spot lays out, next to the premium, whether defense spending reduces the limit left for a settlement or judgment, what retention applies, and whether company claims are limited to securities claims.
4. **Keep past claims and notices on file.** Each policy sets when a claim must be made and reported, and earlier disputes or notices can affect a new or renewal policy. Spot keeps your policy, notices and renewal documents together and brings the renewal forward before it’s urgent.

## Who we help

- **Startups with a board.** Your first outside director or investor may ask whether the company carries D&O before they join.
- **Companies preparing a financing or sale.** Diligence puts management decisions under a microscope, and a buyer may want to see what protects the people who made them.
- **Nonprofits and associations.** Directors act for the organization, and a policy can respond to covered claims about how they did.
- **Private companies with subsidiaries.** Check that each entity, and every officer who sits on a subsidiary board, is insured under the policy.

## When to get this coverage

- **An investor or new director joins the board.** Expect a question about your D&O. Have the policy, its limit and the people it insures ready to share.
- **You’re raising money or exploring a sale.** Planned transactions go on the application, and the way a policy treats prior disputes and notices can change what you’re offered. Start the conversation before the deal is moving.
- **The insurer proposed changes at renewal.** Read the new exclusions and changed terms to see which management claims would fall outside the policy, then compare the market before you accept.
- **You added a subsidiary or a new officer.** Check that the policy names every entity and person it should. A new company in your group isn’t always picked up on its own.
- **A dispute or demand just arrived.** The policy sets when you must report a claim. Find those terms now, and tell your Spot team so your claim history is accurate when you next apply.

## Common questions

Also known as directors and officers insurance, D&O insurance, D&O liability insurance, directors and officers liability insurance and directors liability insurance.

### Can Spot work with the broker our board introduced?

Yes. Spot works alongside whichever broker places your D&O, whether you found them or an investor did, and takes no commissions on premiums. If you’d rather use someone else at renewal, we can help you switch.

### Does D&O cover every business dispute?

No. Directors and officers liability insurance can address covered claims alleging wrongful acts in managing the organization, paying defense costs, settlements and judgments. Spot reads which people and claims each proposal actually includes.

### Does D&O replace employment practices or professional liability?

No. Employment claims and claims about your services or advice are separate coverages. If you want them in one program, ask for management liability and compare each part.

### What goes into a D&O application?

Expect to provide your entity and ownership overview, financial information, planned transactions, and any history of claims or disputes. Your Spot team helps pull together what’s missing.

### Why does it matter whether defense costs sit inside the limit?

If they do, every dollar spent defending the claim is a dollar less available to pay a settlement or judgment. Spot puts that term next to the retention so you can compare it across proposals.

## More

- [Business Insurance by Coverage](https://spot.insure/insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/directors-officers.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)