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EPLI and D&O insurance coverage go hand-in-hand, as many sexual misconduct cases reveal company leadership’s effort to cover up the events to preserve their reputation. (Graphic provided by Milliman) EPLI and D&O insurance coverage go hand-in-hand, as many sexual misconduct cases reveal company leadership’s effort to cover up the events to preserve their reputation. (Graphic provided by Milliman)

Directors and Officers (D&O) insurance has experienced significantly increased risk exposure in recent years. In 2017, insurers experienced the largest loss ratio increase since 2011, but rates remained competitive due to a large number of insurers in the market. This year, however, most insurers say risk is increasing, and D&O insurance rates did in fact rise in the first quarter of 2019.

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