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Protect Your Leaders and Your Business with D&O Insurance

Directors and officers make decisions every day that shape the future of your business, and those decisions can also lead to personal liability.

Directors & Officers (D&O) Insurance protects company leaders from claims of mismanagement, breach of duty, or other wrongful acts. Without it, your executives’ personal assets could be at risk, along with your company’s financial stability.

At Trailstone Insurance Group, we design D&O coverage that gives your leadership team the confidence to make bold decisions without fear of personal loss.

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Decisions That Deserve Protection

Being in a leadership role means making tough calls every day. If shareholders, employees, clients, or even competitors believe a decision harmed them, they can sue you personally.

Directors and Officers Insurance protects the people guiding your business from claims tied to their management decisions.

Keeping your personal life separate from your business life

If you are named in a lawsuit over company decisions, your savings, investments, and even your home could be on the line. D&O helps create a legal and financial barrier between your role at work and your life outside it.

Facing more than just one type of accusation

From claims of mismanagement or breach of duty to disputes over company finances or compliance, leadership decisions can be challenged in many ways. D&O is designed to respond to a broad range of these situations.

Showing decision-makers they matter

Top executives and board members want to know the company has their back. Offering D&O tells them their expertise is valued and their role is supported.

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Protection for the People Who Lead Your Organization

A D&O policy provides liability protection for company leaders and can help cover:

Breach of Fiduciary Duty

Allegations of failing to act in the best interests of the organization or stakeholders.

Misrepresentation

Claims that false or misleading statements caused harm to the company or investors.

Mismanagement

Decisions that allegedly resulted in financial loss or operational damage.

Regulatory Actions

Defense costs for investigations or enforcement actions from government agencies.

Shareholder or Investor Suits

Disputes over company direction, performance, or decision-making.

M&A Challenges

Claims arising from the sale, purchase, or restructuring of a business, including alleged unfair valuations or process errors.

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Did You Know?

Leadership claims can be financially devastating, even when the allegations are unfounded.

The average D&O claim costs over $120,000 to defend.
Claims can come from shareholders, regulators, employees, or even customers.
Private, public, and nonprofit organizations can all face D&O lawsuits.

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Hear from current clients

"I chose Trailstone because of Dave Ramsey. I stay because of the nice people and the personal service. Amy Zoss does a great job taking care of my personal insurance. I’m pleased with the service Trailstone provides for the company I manage too. Ricardo De La Rosa is very helpful with that."

Robin W., Johnstown, CO

Our Simple process

Your Path to finding the Best Directors and Officers Insurance

Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.

We Listen First

You want to protect your business, but you’re not sure where to start. That’s where we come in.

Because before we can protect your business, we need to know your business.

Let Us Do The Heavy Lifting

You stay focused. We handle the details. You’ll receive real options built around your needs, not just your business type.

With access to 100+ carriers and strong industry relationships, we deliver quotes tailored to your business.

Clear, Comparable Options

We explain how each policy works with real claim examples, share our honest recommendation, and answer every question on the spot.

You’ll know exactly what you’re buying and why.

Switch With Confidence. We’ll Handle the Rest.

You choose the coverage, we handle the rest. From final negotiations to certificates.

When you have a question, we’re here to help.

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Common Questions from Our Customers

FAQs

At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.

How much does Directors and Officers insurance cost?

Who is protected under Directors and Officers insurance?

Why do small businesses need Directors and Officers insurance?

Answers you can trust, whenever you need them.

Helpful Resources

Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.