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D&O Insurance

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Protect Your Leadership Team & Preserve Your Reputation

Business owners entrust great responsibility to those chosen to lead their organizations, recognizing the correlation between great power and accountability. However, with such responsibility also comes the potential for great risks. Mistakes made by company directors and officers (D&O) can lead to painful legal and financial repercussions. That’s where D&O insurance steps in, providing protection for Massachusetts business and nonprofit leaders against some of these risks.

At LoPriore Insurance Agency, we are here to assist and safeguard your leadership team, offering tailored D&O insurance solutions to mitigate potential liabilities and ensure peace of mind for your organization’s future.

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Massachusetts Directors & Officiers Insurance
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Massachusetts D&O Insurance
Lopriore Insurance Agency

At LoPriore Insurance, we understand the unique risks and challenges that businesses face when it comes to the roles of their directors and officers. That’s why we offer tailored Directors and Officers (D&O) Insurance solutions, providing comprehensive coverage to protect your leadership team from potential uncertainties. Our expert team is dedicated to crafting policies that align with your specific needs, ensuring protection for your directors and officers in case of legal liabilities and claims related to their decisions and actions.

From coverage for defense costs and settlements to protecting personal assets, our range of insurance options is designed to keep your business and leadership team safe and thriving. With our trusted partnerships with leading insurance providers, we deliver top-notch policies that offer peace of mind, allowing you to focus on what matters most – strategic decision-making and driving your business forward.

In the face of unforeseen events, LoPriore Insurance stands as your reliable partner, ready to assist you in safeguarding the reputation and future of your organization. Let us help you navigate the complexities of D&O insurance, so you can confidently lead your business, knowing that we have your best interests at heart.

Understanding the Importance of
d&o Insurance

D&O insurance protects the personal assets and liabilities of company directors and officers from legal claims related to their decisions and actions while leading the organization. It provides financial security and peace of mind for the leadership team.

What is It?

Directors & Officers (D&O) Insurance is a distinct type of liability insurance that covers costs or damages resulting from lawsuits that may arise due to alleged wrongful acts in their management roles. These may include issues like breaches of fiduciary duty, failure to comply with regulations, financial mismanagement, and more. D&O Insurance ensures that leaders can make decisions without the fear of personal financial loss due to potential litigation.

Why Do I Need It?

D&O Insurance is vital because it offers financial protection against such lawsuits, shielding the personal assets of directors and officers. The coverage not only pays for the costs of defending such legal actions but also covers any monetary damages or settlements that may arise from these suits. Without this insurance, the personal assets of directors and officers could be at risk.

Who Is It For?

Directors & Officers Insurance is designed for individuals serving in leadership roles, including board members, executives, managing directors, and other high-level officers in a company. D&O Insurance is suitable for all-size organizations that have a board of directors or key personnel making strategic decisions.

How To Purchase D&O Insurance

Directors & Officers Liability

As a business leader in Massachusetts, you understand the importance of making strategic decisions for the future of your organization. But have you considered the potential personal liability that comes with those decisions? D&O Insurance, also known as Directors and Officers Liability Insurance, is designed to protect directors and officers from personal losses if they are sued as a result of serving in their role within the company. It can also cover the legal fees, settlements, and other costs the organization may incur in such lawsuits. Not having the proper D&O coverage can expose your business to unnecessary risks and the key individuals to personal financial loss.

So how do you go about insuring your business with D&O Insurance? It’s a process that requires careful consideration of your business operations. Here’s a step-by-step guide to help you navigate this process and secure your business with comprehensive D&O Insurance.

Tips for buying D&O Insurance

Make an informed choice when buying D&O Insurance by following these helpful tips – your roadmap to obtaining the right coverage for your organization.

Assess Your Risks
Evaluate the specific risks related to the decisions and actions of your company's directors and officers. Identify potential liabilities and exposures that may require coverage.
Choose the Right Coverage
Select a D&O policy that aligns with your business size, industry, and risk profile. Ensure it covers the types of claims that are most relevant to your leadership team.

Educate Your Leadership
Train your directors and officers about their roles, responsibilities, and potential liabilities to minimize the risk of claims.

How much does D&O insurance Cost?

Curious about the cost of Directors & Officers (D&O) Insurance? Like any form of coverage, the cost of D&O Insurance can vary based on several factors, including the size of your company, the industry you operate in, your company’s financial health, and its history of litigation. However, it’s important to remember that D&O Insurance is not just an expense – it’s a strategic investment into the secure future of your organization and its leaders. When you work with our team at LoPriore Insurance Agency, we’ll provide a transparent overview of the costs and help you find a policy that balances robust protection with budget-friendly premiums. Reach out to us today to discuss your D&O Insurance needs and secure a quote from Massachusetts’ top-rated insurance agency.

D&O Insurance - Cost

Factors that Affect The Cost Of D&o Insurance

Wondering how much Directors & Officers (D&O) Insurance might cost your business? It’s a question with many answers because the cost of D&O Insurance is influenced by a variety of factors. These include, but are not limited to, your company’s size, the industry in which you operate, the structure of your organization, its financial health, and its history of legal claims. In essence, the cost of D&O Insurance is a reflection of the risk perceived by the insurance carrier.

Corporate Practices
Industry Risk Profile
Company's Financial Stability
Business Size
Lawsuit History
Claim History
To Learn More
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Protect Your Business With D&O Insurance
Request Your Insurance Quote Today!

Protect your business and its leadership team with Directors and Officers (D&O) Insurance. Request your insurance quote today to ensure comprehensive coverage against potential legal liabilities and financial risks related to their decisions and actions.

D&O Insurance Coverage Details

Directors and officers (D&O) Insurance provides coverage for the personal liability of corporate directors and officers and reimburses the organization for certain costs incurred in defending its management team against lawsuits. The coverage section of limits in a D&O insurance policy refers to the maximum amount of protection available for each individual claim or as an aggregate limit for all claims during the policy period.

Per Claim Limit
This is the maximum amount the insurance policy will pay for any single claim made against a director or officer. It includes damages awarded to the claimant and defense costs incurred in defending the lawsuit.
Aggregate Limit
This is the total maximum amount the policy will pay for all covered claims during the policy period, regardless of the number of claims made. It is important for the insured organization to manage its claims carefully to ensure that there is adequate coverage available for potential future claims.

What's Typically Covered in a
D&O Insurance Policy

D&O Insurance is a crucial aspect of risk management for organizations and their executives. It offers protection to directors, officers, trustees, and even the organization itself against claims of wrongful acts, negligence, mismanagement, or breaches of fiduciary duties.

Coverage Highlights

Legal Defense Costs
D&O insurance covers the legal defense costs incurred during investigations, lawsuits, or criminal proceedings against directors and officers.
Financial Loss Protection
This coverage protects directors and officers from personal financial losses resulting from claims made by stakeholders, shareholders, or employees due to alleged wrongful acts.
Company Reimbursement
D&O insurance may extend coverage to the organization itself, reimbursing it for expenses incurred in indemnifying its directors and officers.
Third-Party Liability
D&O insurance extends protection to directors and officers from third-party claims, including customers, clients, competitors, or vendors.
Mergers and Acquisitions
Some policies may extend coverage to protect directors and officers during mergers, acquisitions, or other corporate restructuring events.

D&O Insurance coverage highlights

Our coverage highlights got your curiosity covered! Unravel the mysteries of protection for your company’s decision-makers.

Prior Acts Coverage
Learn about the importance of "prior acts" coverage, which ensures protection for claims arising from events that occurred before the D&O policy's inception.
Tail Coverage (Extended Reporting Period)
Explore the option of tail coverage, which provides protection for claims made after a director or officer leaves the company but is related to their past actions while in office.
Retention Amounts
Be aware of retention amounts (deductibles) applicable to D&O insurance, as they can impact the out-of-pocket costs for the insured in the event of a claim.

Organizations Covered By D&O Insurance

Publicly traded and privately held companies of all sizes and industries.
Non-Profit Organizations
Charities, foundations, educational institutions, religious organizations, and other non-profit entities.
Private Firms
Privately owned businesses, including startups and family-owned enterprises.
Educational Institutions
Schools, colleges, and universities, both for-profit and non-profit.
Churches and religious organizations are typically covered by Directors and Officers (D&O) insurance.
Homeowners Associations
Homeowners associations (HOAs) are also covered by Directors and Officers (D&O) insurance.
Condo Associations
Condominium associations (condo associations) are covered by Directors and Officers (D&O) insurance, offering protection to their board members and officers from potential personal liability arising from management decisions and actions taken on behalf of the association.

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When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Assurance, Extra Peace of Mind

Get a free quote for Directors and Officers (D&O) Insurance from LoPriore Insurance and ensure your organization’s leadership team is comprehensively protected. Their expert team will offer customized coverage options that cater to the specific needs and potential liabilities of your business decision-makers.

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D&O Insurance FAQs

Most organizations carry provisions to protect board members, but there may be exclusions that leave you open to a lawsuit. Liabilities that aren’t covered by your organization can be covered by D&O insurance.

A D&O policy will not recover wages, taxes, fines, penalties, or multiplied damages. It also excludes claims related to unlawful activity.

These claims should be reported immediately when you become aware of the claim.

• Employment practice suits including hiring and firing
• Contract disputes
• Mergers reflecting a conflict of interest
• Financial performance
• Copyright infringement
• Competitor disputes

Typically, your D&O policy includes provisions for a change in control. Often coverage stays in effect for the remainder of the policy period. However, coverage will only be provided for claims involving wrongful acts that occurred before the change. Some policies terminate immediately upon a change in control, so it is important to understand the terms of your policy.

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What Others Are Saying About Us!

Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Raquel Salois'
Raquel Salois'
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
Always responsive, professional and helpful.
Devin Cole
Devin Cole
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
LoPriore has been amazing to work with, they handled our insurance (Auto & Home) needs quickly, efficiently, and professionally. Working with Maria was seamless and stress-free. Not only did we save money, but we have a REAL person to connect with for any questions, concerns or general updates that arise. We are no longer just a number that is forgotten! Thank you!
Mona Hansley
Mona Hansley
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno