Elkay Manufacturing limits itself neither in the production of its ever-expanding spate of products for homes and businessesnor in the protective measures it takes on behalf of its thousands of workers in the U.S. and abroad.

Understanding the personal exposures of directors and officers presents a particular challenge for multinational companies. After all, the extent of these individuals duties, the range of potential lawsuits and the regulatory landscape vary widely from country to country.

Personal auto rates appear poised to rise at an accelerated pace, according to one analyst firm, and insurers may just be waiting on the markets top dog to lead the charge.

Kevin Kimbrough is a principal and head of national sales at Saybrus Partners, whose team of insurance experts offer consulting services to financial-services and wealth-management firms. It is a subsidiary of the Phoenix Cos., a boutique life insurance and annuity company.