What is Directors and Officers Insurance?

Directors and officers insurance, also known as D&O insurance, is an insurance policy that is usually directed toward those people who help to run a company or organization, including directors and officers for educators. Usually, the policy helps to cover the cost of defense if the person insured is taken to court and expected to pay out damages due to their actions or negligence.


Who Needs It?


D&O insurance covers a wide range of areas, from public companies to educational institutions. Any company that deals with the public at all and has the potential risk of being sued for any reason may benefit from some sort of D&O insurance policy. There are a variety of policies to choose from, and when you work with a competent insurance agency, you can often get a policy tailored to your organization’s unique risks.




For educators, qualifying is usually pretty simple. The educational institution often needs to have a minimum revenue of approximately $150,000. In some cases, it may not matter if you have had claims in the past. Directors and officers for educators insurance is great for school administration, teachers, specialists, and any other educators at a particular institution. If you are part of an organization that handles education at any level, consider adding D&O to your policy. Even in education, it is important to be prepared for potential lawsuit claims.