In the world of Directors and Officers (D&O) insurance, three sneaky endorsements—known here as the Terrible Three—can quietly gut your policy's protection, leaving executives exposed to devastating personal liability. Don't let these hidden traps catch you off guard. Here’s what you need to know.

What you need to know about the current issues with availability and capacity of current umbrella policies.

Umbrella and excess liability policies offer added coverage beyond primary insurance. Umbrella policies offer broader coverage and higher limits, while excess liability policies add to existing coverage but don't usually expand its scope. These policies help safeguard individuals and businesses against major financial losses from lawsuits or claims. This article explains how to find and address non-concurrent dates in insurance portfolios to ensure more comprehensive protection.

An overview of the current market for personal umbrella liability policies as of 2026.

This article describes quota share arrangements, outlines advantages and disadvantages, examines key issues including lawsuits and claims management, and offers a best-practices checklist.

Directors and Officers (D&O) insurance helps protect corporate officers and board directors against personal liability arising from decisions made in their official capacities. With the increase in the adoption of AI, potential issues can arise.

A summary of the ISO Circular for January 6, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.

A discussion of a bulletin published by Michigan DFS announcing the creation of the program.

A question concerning ensuing loss provisions and mismatched repairs.

A contractor acts as an adjuster.