Alls Fair In Love, War, And D&O Markets

With news of sky-high rate hikes, attempted policy rescissions and coverage restrictions dominating headlines about directors and officers liability insurance, it’s easy for risk managers to get the idea that carriers have the upper hand in the current D&O market.

But as buyers rightfully seek more protection for directors and officers in a world of heightened accounting scrutiny following the Enron collapse, the market remains competitive and coverage deals can be worked out, experts say.

No one disagrees that D&O premium rates are up considerablyat least in the 25-to-50 percent range for most public companies. (See related story, page 24.) But the sense “that either there’s no insurance or that buyers must accept whatever is offered, because there’s nothing else” is not an accurate perception for most insureds, according to Carolyn Rosenberg, an attorney with Sachnoff & Weaver in Chicago.

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