Directors and Officers Insurance for Non-Profit, Private, and Public Companies
Donald Gaddis Company offers access to Directors and Officers (D&O) Liability Insurance tailored for non-profit organizations, private companies, and publicly traded entities. As a wholesale broker with access to numerous carriers, Gaddis Co. helps agents secure competitive and appropriate D&O solutions, even for complex or hard-to-place risks. Whether your client is a small charity, a mid-sized manufacturer, or a venture-backed tech firm, Gaddis Co. can help you navigate underwriting and coverage options effectively.
Ideal Accounts and Appetite
This program is suitable for:
- Non-profit organizations, including social services, foundations, and religious entities
- Private for-profit companies in manufacturing, services, and technology sectors
- Publicly traded companies, especially small-cap firms
Claims can arise from investors, donors, competitors, creditors, employees, and regulators. Gaddis Co. understands these risks and helps you protect directors and officers against potentially costly litigation.
Coverage Highlights and Advantages
D&O policies vary significantly in wording and scope. Some cover the entity and all past and present board members, while others may be limited to specific named individuals. The Donald Gaddis Company team works with you to identify and negotiate the right terms, ensuring your clients get coverage tailored to their structure and exposures.
Coverage considerations include:
- Entity vs. individual coverage
- Retroactive dates and continuity
- Defense costs inside or outside limits
- Exclusions and carve-backs
With Gaddis Co.'s help, you can avoid coverage gaps that could result in denied claims when your client needs protection the most.
Underwriting Notes and Minimum Premiums
When submitting risks, be prepared to identify whether the client is a non-profit, private, or public entity. This classification impacts coverage structure and pricing. For private companies, obtaining financials is a critical step—even if it requires signing a non-disclosure agreement. Gaddis Co. is experienced in working through these sensitivities with you and your clients.
Minimum premiums typically start around $750 for small non-profits or private companies with a $1MM limit. Small-cap public companies may see starting premiums in the $7,500–$10,000 range, depending on financials and risk profile.
Territories and Availability
The program is available in most states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Availability may vary by risk type and carrier appetite.
Why Work With Donald Gaddis Company?
Donald Gaddis Company is a trusted wholesale broker with deep expertise in management liability products. Their team helps agents and brokers navigate the complexities of D&O coverage, from underwriting to policy wording. They work with many carriers to offer flexible solutions tailored to your clients’ business type and risk profile.
You might have a client operating a mid-sized private manufacturing firm with outside investors, or a nonprofit that recently expanded its board. These are exactly the types of accounts Gaddis Co. can help you place with the right D&O markets.