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Information Technology

Protection for IT Pros

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D&O Liability Insurance Solutions for IT Firms 

At BMT Insurance Advisors, we provide flexible insurance solutions for IT companies to meet your ever-increasing risks in today’s highly regulated and changing environment. One of our products is Directors & Officers (D&O) Liability insurance to respond to allegations against a firm’s board of directors and individual executives for mismanagement. Without this coverage, the potential financial damage from even a single lawsuit can be devastating.

Management liability lawsuits range from employment issues, such as harassment, discrimination and wrongful termination, to business practices issues, such as misappropriation, financial mismanagement and negligence. Legal action can be brought by employees, customers, vendors and suppliers, competitors, lenders and shareholders.

Inside Our D&O Solutions

We can help tailor coverage for you to include:

  • Side A Coverage:Applies directly to the directors and officers for loss – including defense costs – resulting from claims made against them for their wrongful acts.
  • Side B Coverage:Reimburses a corporation for its loss where the corporation indemnifies its directors and officers for claims against them.
  • Side C Coverage:Provides protection for the corporation for its own liability – whether or not its directors and officers are also sued.

Defense costs, which can be the larger cost, can be included in addition to the total policy limit. We can also provide Employment Practices Liability coverage as an endorsement to the D&O policy or as a stand-alone policy issued to the company. This coverage typically protects directors, officers, employees and/or the company against employment-related claims brought by employees and, in certain circumstances, specified third-parties, such as vendors and customers.

There are other features to our D&O policies including when and how a claim is triggered and Prior Acts coverage that our experienced staff can go over with you in detail.