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Directors’ and Officers’ Liability

The purpose of Directors’ and Officers’ is to protect an organization and its leadership against civil liability for “Wrongful Acts.” It protects the corporate entity and its Directors and Officers, including clergy, church officers, chapter members, and boards and leaders of church-related institutions.

Within the Directors’ and Officers’ policy, a Wrongful Act is typically defined as:

  • An act committed or wrongfully attempted
  • An error
  • An omission
  • A misstatement
  • A misleading statement
  • Neglect
  • A breach of duty

Coverage - timing is crucial.

  • The date of the occurrence must be after the policy’s retroactive date
  • The claim must be filed during the policy’s term