D&O - Crime

Offered by Orchid Insurance

D&O Cyber Liability Crime Specialty Programs Directors & Officers


Directors and Officers Liability Insurance (often called D&O) will cover your client against being sued for a vast number or reasons, regardless of actual or alleged. Examples include, but are not limited to, fraud, misuse of company funds, and breach of contract and/or fiduciary duty. Orchid's D&O coverage is comprehensive and specifically geared towards Associations, as they are especially at risk for D&O claims with board members and officers.

D&O Liability Policy Coverage
• Up to $5 million limit
• Claims-Made form
• Full Prior Acts Coverage, subject to policy terms and conditions
• Cyber Liability limits available
• Wage & Hour Defense of $100,000 is provided at no charge
• Homeowner’s Associations will receive First Dollar Defense and Unlimited Defense Costs outside the limits at no charge
• Softened Hammer Clause and mediation credits included in the policy

Crime Policy Coverage Highlights

• Crime policies are written on discovery form

• Multiple crime coverages tailored to community association needs including Employee Theft, Forgery or Alteration, Theft, Disappearance or Destruction, and Computer Fraud or Wire Transfer Communication Fraud

• $50,000 in Social Engineering Fraud Coverage is being included at no charge. This endorsement protects associations who are misled through a communication to transfer funds from its own account as a result of fraud by a person who pretends to be a vendor, employee, property manager or employee


Appointment Required

Carrier Information

Multiple Markets Available


Rating A- or Better

Rating By A.M. Best

Listing Contact

Marketing Department

Offered By

Orchid Insurance

40 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


Not Covered

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