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Wholesale appetite: directors & officers
Directors & officers we place.
Personal liability protection for founders, executives and board members — for venture-backed companies, non-profits and any board with someone other than the founders on it. Already appointed? Send us the account. New here? Apply for appointment below.
D&O insurance protects directors and officers from personal liability for decisions made in their corporate role — and reimburses the company when it indemnifies them. It's the policy that makes serving on a board a survivable proposition.
The triggers
we hear most.
The company just closed a priced round or brought on outside investors.
Every priced round creates personal liability for directors. Investors typically require D&O cover at term-sheet stage — and most board members won't agree to serve without it.
The board includes anyone who isn't a founder.
Independent directors, observer seats and investor-appointed board members are personally exposed to claims by shareholders, employees, regulators and competitors. D&O is what makes that role survivable.
The account is navigating a regulatory or government investigation.
D&O covers defence costs for investigations and formal proceedings against directors and officers — including SEC, FTC, state AG and industry-specific regulators where coverable.
It's an HOA, condo board or non-profit board.
Volunteer board members are sued personally too — by unit owners, members, donors and employees. Non-profit and association D&O is often the cheapest meaningful policy a board can buy.
Inside the
policy.
Side A — director and officer protection
Personal liability for directors and officers when the company can't or won't indemnify — including bankruptcy and derivative-claim scenarios.
Side B — company reimbursement
Reimbursement to the company for amounts it pays to indemnify its directors and officers under indemnification agreements.
Side C — entity coverage
Securities-claim cover for the entity itself (typical for public and private companies with priced rounds) — plus optional entity cover for non-securities claims in some forms.
Defence costs and investigation expense
Legal defence for civil suits, regulatory investigations and formal proceedings — usually outside the limit on the better forms.
Where buyers
get caught out.
Conduct found to be fraudulent or criminal
D&O excludes intentionally fraudulent acts. Honest judgement calls and good-faith mistakes are exactly what the policy is for.
Insured vs insured (limited)
Many forms exclude claims between insureds — though carve-outs exist for shareholder derivative actions and bankruptcy trustees, which are the claims that actually happen.
Bodily injury and property damage
Those belong to GL, not D&O. We make sure the two line up so a claim doesn't fall between them.
Industries we
place this for.
Tech & AI startups
D&O placed at every priced round, sized to investor expectations and re-shopped as the cap table grows.
See the pageNon-profits
Non-profit D&O written to protect volunteer boards from personal liability — often the most important policy a non-profit carries.
See the pageReal estate & property
D&O for HOA boards, condo associations and management companies — the line that protects volunteer board members.
See the pageFinancial advisors & RIAs
D&O for advisor firms including regulatory defence cover for FINRA, SEC and state-level actions.
See the pageProfessional services
D&O for partner-led firms and growth-stage advisory businesses with formal boards or outside investors.
See the page
How we place
this line.
Appetite matched in-house
Every submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
Every hour risks the client
A slow market costs you the account. Matched submissions move straight to underwriting, and you're kept posted, even when the answer is no.
Just send the file
No 40-page form, no repeated questions. Send what you've got and we take it from there.
What we're writing
on this.
The HUD insurance schedule every affordable-housing operator should be running
HUD's insurance requirements for affordable-housing properties are specific, opinionated, and frequently misread. A clear breakdown of what your schedule needs to show.
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What an accounting practice should carry above E&O
Accountants over-rely on professional liability as their whole insurance programme. Here are the four other lines that actually matter for a CPA practice in 2026.
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Interested?
Get appointed.
Apply to become an appointed Nomos Wholesale partner — same-day appetite matching, direct access to E&S and specialty markets.
Get appointed
Not sure it fits?
Try our appetite.
Send us the submission — we'll see what fits. We can worry about the paperwork later.