Directors & Officers Insurance

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D&O insurance protects your company’s leaders from lawsuits. Actsphere works with top carriers to find the right coverage for you. We make sure your leaders have good protection at fair rates, all from one partner.

Common D&O Insurance Mistakes That Cost You Money

Many businesses don’t have enough D&O coverage. This puts their leaders’ money at risk. At Actsphere, we fix these issues before they harm you.

Not Enough Coverage

Basic policies don’t provide enough protection. We look at your risks to set limits that truly protect your team.

Missing Key Protections

Many D&O policies leave out vital protections. Our team finds these gaps and builds better coverage for you.

Ignoring Industry Risks

Each industry has its own D&O risks. We know your field and cover what you need.

Forgetting Personal Protection

Without good D&O insurance, your own money is at risk. We create policies that protect both your company and your leaders’ assets.

What Our Actsphere Family Says

We’re proud to protect families, businesses, and employee wellness teams across the country. Our client stories show our commitment, honesty, and real results.

Take Our 5-Minute D&O Insurance Check.

Find Out If Your Leaders Are Protected:

Quick Questions:

  1. Has an expert checked your D&O coverage this year?
  2. Does your policy cover the company for claims?
  3. Are costs covered before charges are filed?
  4. Do you have protection when the company can’t help?
  5. Has your coverage been updated for recent lawsuit trends?

Answered “No” to any? Your leaders may be at risk.

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What Makes Actsphere D&O Insurance Better?

Actsphere D&O Insurance

  • Access to several carriers
  • Industry risk review
  • Full coverage check
  • Expert claims assistance
  • Multi-policy planning

Other Insurance Companies

  • Limited to one carrier
  • Basic policies with gaps
  • Little claims help
  • No regular reviews
  • Limited know-how
  • Stand-alone policies
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Why Groups Choose Actsphere for D&O Insurance

Since 2015, we’ve protected leaders in many fields. Learn more about us.

  • We know your industry
  • Our team knows your business
  • We review beyond basic coverage
  • We explain things clearly
  • We update as you grow

Complete D&O Insurance Solutions From Actsphere

Key Leader Protection
D&O insurance is vital for any group with a board or key leaders. As your business insurance partner, Actsphere creates shields for your leadership team.

Core D&O Insurance Parts

  • Personal Asset Protection
  • Company Payback
  • Entity Protection

D&O Insurance for Different Groups

  • Private Companies
  • Public Companies
  • Non-Profits

How Actsphere D&O Insurance Works

1

Risk Check
Tell us about your group. We study your risks.

2

Coverage Plan
We find options from many carriers to build the best shield.

3

Policy Review
See options side by Side with clear notes.

4

Ongoing Help
Ongoing checks, claims aid, and updates as you grow.

Changes? Your Actsphere Advisor Is Here

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Growth

  • Going public
  • New board members
  • Going global
  • Buying firms
  • New funds
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Risk Alerts

  • Agency reviews
  • Leader changes
  • Money updates
  • Cash troubles
Call Actsphere when things change—we’ll update your coverage right away.

Switch to Actsphere D&O insurance – We Handle Everything

We Make It Easy:
  1. Check current policies
  2. Study your field’s risks
  3. Find the best cover
  4. Show options from top carriers
  5. Time changes for a smooth cover
  6. Explain things to your leaders
How Fast?
  • Private Firm D&O: 2-5 days
  • Public Firm D&O: 1-3 weeks
  • Non-Profit D&O: 1-3 days
  • No Gaps: Promised
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The Actsphere Promise

What We Pledge:
  • Full Review: Finding gaps before they hurt
  • Plain Talk: No hard insurance words
  • Lasting Bond: You get more than just a policy

Frequently Asked Questions

What is D&O insurance and why does my company need it?
D&O insurance protects your leaders from personal lawsuits. It covers defense costs and settlements when directors and officers are sued for management decisions. Even small private companies face D&O claims from competitors, vendors, customers, and regulators.
What types of claims does D&O insurance cover?
D&O insurance covers claims like breach of fiduciary duty, misuse of company funds, failure to comply with regulations, misrepresentation, and employment practices disputes. It protects against lawsuits from shareholders, employees, customers, vendors, competitors, and government agencies.
Isn't my business entity enough to protect directors and officers?
No. Corporate structure doesn’t always shield personal assets. Claimants can bypass corporate protection and sue directors personally. D&O insurance steps in when corporate protection fails, covering legal costs and settlements that the company cannot or will not cover.
Do private companies need D&O insurance?
Yes. Private companies face many D&O risks, including suits from customers, vendors, competitors, and regulators. In fact, private companies often have fewer resources to defend claims. Many private companies also need D&O coverage to attract qualified board members and secure funding from investors.
How much D&O coverage does my company need?
Coverage needs vary based on company size, industry, and risk profile. Small private companies typically need $1-3 million, mid-sized companies $5-10 million, and larger firms $10+ million. We assess your specific risks and recommend appropriate limits based on your situation.
Does D&O insurance cover employment-related claims?
Basic D&O policies may cover some employment claims against directors and officers. However, a separate Employment Practices Liability Insurance (EPLI) policy provides broader protection for all employment-related claims, including those against the company itself. We recommend having both coverages.
Are regulatory investigations and inquiries covered by D&O insurance?
Some D&O policies cover costs related to responding to regulatory investigations, but coverage varies widely. Higher quality policies include regulatory coverage, including inquiry costs before formal charges. We help secure policies with this important protection for regulatory defense costs.
What factors affect D&O insurance premiums?
Premiums depend on company size, industry, financial stability, claims history, corporate governance practices, and coverage limits. Public companies pay more than private firms.
How does D&O insurance work with other management liability policies?
D&O works alongside other coverages like Employment Practices Liability, Fiduciary Liability, and Cyber Liability. These can be purchased separately or as a management liability package.

Actsphere Serves Businesses in These States

Our team helps companies secure comprehensive flood protection across these great states. See commercial flood insurance options by state:

TEXAS

PENNSYLVANIA

MICHIGAN

OHIO

Each state has unique flood zones, risks, and mitigation requirements. Our insurance experts know them all.

Actsphere Insurance Blog

Get practical tips for managing flood risks. Check out our insurance blog for flood preparation strategies, mitigation guidance, and coverage insights.

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Ready to Protect Your Business From Flood Damage?

Important: Don’t wait until the waters are rising. Flood policies have mandatory waiting periods before coverage begins.

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3129 Kingsley Dr., Suite 1910 Pearland, TX, 77584

When We’re Here

Weekdays: 8:30 AM – 6:00 PM,
Monday – Thursday,
Friday – 8:30-5:00 PM

Claims Emergency: 24/7
(Note: You can always contact insurance claims department)
Three Ways to Start

(832)-956-1033 – Talk to a Licensed Insurance team member now

Same number for quick questions

sales@actsphereins.com – Get quotes today

Contact Actsphere Insurance

Call, text, or stop by anytime. Real people, real help, really fast.

“Stewardship is our policy” – Since 2015, Actsphere Insurance Group has been a trusted insurance company, protecting businesses and families with access to several carriers. One company, complete coverage, unbeatable service.