Directors &
Officers (D&O)
Personal asset protection for corporate leadership facing heightened scrutiny from shareholders, regulators, and stakeholders in an era where technology governance is a board-level responsibility.
The AI / Modern Angle
Directors and officers are now personally accountable for AI governance decisions. When an autonomous system causes harm, regulators and plaintiffs trace liability upward to the boardroom. SEC cybersecurity disclosure rules, AI transparency mandates, and ESG reporting requirements have expanded the D&O exposure surface dramatically. A board that approves an AI deployment without adequate risk assessment faces personal liability for resulting discrimination claims, data breaches, or algorithmic failures. Our D&O policies are specifically endorsed to cover technology governance failures, AI-related shareholder derivative actions, and regulatory investigations into automated decision-making.
Core Coverage Points
Shareholder Actions
Defense and indemnity for derivative suits alleging breach of fiduciary duty, including technology-related governance failures.
Regulatory Investigations
Coverage for SEC, FTC, and international regulatory investigations into corporate AI governance and disclosure practices.
Personal Asset Shield
Side-A coverage protecting directors' and officers' personal assets when the corporation cannot or will not indemnify.
ESG & Ethics Claims
Protection against claims related to algorithmic impact on ESG commitments, including environmental and social governance failures.
Leadership Protection
for the AI Era
The modern boardroom faces unprecedented personal liability exposure from technology decisions. We provide D&O coverage that understands this new reality — with endorsements specifically designed for AI governance, cybersecurity oversight, and algorithmic accountability.
Our underwriting team includes former corporate directors, general counsel, and technology governance specialists who understand both the legal landscape and the technical nuances of AI risk at the board level.
"Ocean Falls was the only carrier that understood our AI governance exposure. Their D&O policy covers scenarios our previous insurer couldn't even articulate."