Directors and Officers Insurance

Directors and officers are quickly joining the ranks of the professional and business owner as targets for liability suits. By taking on the highly visible position of director or officer, you assume great personal risk. You could be held liable for any number of things from abuse of authority and libel to slander and financial mismanagement brought against you by shareholders, creditors, customers or employees -- to name a few.

Considering the ever increasing amounts that juries award in today's courtrooms, a liability suit could conceivably wipe out your life savings and drive you into personal bankruptcy, not to mention wreak havoc in your company. By covering the litigation costs and damages in the event you are sued, director's and officer's (D&O) insurance may save you and your company from a financial disaster.

Coverage

Designed to help protect both the assets of the company and the personal

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• small business insurance salinas california  Property coverage includes your building and premises permanently installed machinery and equipment (heating and air conditioning equipment etc.) and business personal property (furniture business stock and property stored off premises). You'll also... 
• small business insurance pasadena california  Some of the other problems showing significant increases in the rankings were problems with applications and or licenses up from number 48 to 31 poor sales from 50 to 33 and the cost of electricity from 19 to number 10. The survey also included some... 
• small business insurance torrance california  The survey also included some new entries to the field of 75 including increased national security procedures which ranked third from last at number 72 and competition from Internet business next at number 73 out of 75. The newest problem weighing most... 
• small business insurance hayward california  That way if the company goes under you will suffer less of a loss. In addition you may want to check if your policy is protected by state guaranty funds. All states have funds that can be used against insurer collapse but this reserve only applies to... 
• small business insurance orange california  Small-business owners know they need property and casualty insurance yet many have never even heard of the coverage known as key person insurance. But having this coverage which basically is a life insurance policy on an owner or critically important... 
• small business insurance palmdale california  At HMA Public Relations there's a key person policy covering president and owner Scott Hanson; the policy will allow the company's vice president and general manager Abbie Fink to buy out Mr. Hanson's heirs in the event of his death. If Mr. Hanson... 
• small business insurance excondido california  Cathy Weatherford executive vice president with the National Association of Insurance Commissioners noted that key person insurance serves another critical function: providing cash to help a company replace lost income if an owner or key employee dies ... 
• small business insurance lancaster california  Ms. Weatherford noted that some lenders would require a business to have key person insurance as a condition or collateral for writing a loan. She also noted that it was very common for key person insurance in the first few years that a company is in... 
• small business insurance fullerton california  Companies seeking to buy key person insurance will find they're facing some of the same requirements and conditions as individuals for example if the insured owner or employee has health problems the company might not be able to buy insurance or the... 
• small business insurance sunnyvale california  Rather than have extremely low deductible health plans which cover virtually every instance of medical expense HSA's work with high deductible coverage. This substantially lowers the premium paid by the insured. To make up for the perceived gap between...