Directors and Officers Insurance
The decision was theirs. So is the liability.
An investor claims the board misrepresented the numbers. A former employee sues the CEO personally. A regulator opens an inquiry into how a decision got made. D&O covers the people who run your company when they are sued for how they ran it, and it reaches their personal assets in a way no other policy does. It is not a public-company product. Private companies, nonprofits, and any organization with a board need it.
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Serving the DMV · Since 2007.
Who we serve
We protect businesses that are building something.
Retail & Multi-Location
Storefronts, franchises, and operations opening their second, fifth, or fifteenth location.
Restaurants & Hospitality
Full-service and quick-serve restaurants, caterers, and hospitality groups, where liquor liability, property, and the people behind the counter all need to be covered.
Government Contractors
GovCon firms navigating contract insurance requirements, from professional liability and cyber to bonding and the limits your contracts demand.
Professional Services
Law firms, consultancies, agencies, and accounting practices, including E&O and cyber.
Trades & Contractors
Electrical, plumbing, HVAC, roofing, and general contractors needing builders risk and bonding.
Growth-Stage Companies
Tech, biotech, and startup-scale operations whose coverage needs change every six months.
Not on the list? We still have you covered. Reach out to us!.
How we work
What a commercial advisor should actually do.
Your advisor
A named human, not a 1-800 number.
You get one advisor who learns your operation, knows your team, and remembers what happened at the last renewal. Same person at year five as at year one.
Proactive reviews
We call before renewal, not after a problem.
Annual proactive reviews. Quarterly check-ins for fast-growth clients. If you opened a new location, hired your fiftieth employee, or signed a major contract, we want to know before your policy does.
Carrier breadth
Independent access to diverse markets.
We're not tied to one carrier's appetite. Travelers, Liberty Mutual, Hartford, Cincinnati, Chubb, and dozens of other standard and specialty markets, we shop where your risk profile actually fits.
One roof
Commercial, benefits, and personal - coordinated.
Your business coverage, your team's benefits, and your personal insurance can all live under one advisory relationship. No more retelling your story to three different people.
What it covers
What D&O actually protects.
D&O responds to claims that a director or officer committed a wrongful act in their management of the organization: breach of fiduciary duty, misrepresentation, mismanagement, failure to supervise. It pays defense costs, which dominate most D&O claims, along with settlements and judgments. Coverage is usually described in three parts: protection for individuals when the company cannot indemnify them, reimbursement to the company when it does indemnify them, and for some organizations coverage of the entity itself.
For private companies and nonprofits, the claims are not what people picture. They come from investors and lenders, from employees and former employees, from competitors alleging unfair practices, from regulators, and very often out of a merger, acquisition, or financing round. Sophisticated board members and investors frequently ask whether D&O is in place before they will agree to serve or fund, which makes it a practical requirement long before it is a legal one.
What it does not cover: bodily injury and property damage, which belong on general liability, and fraud or personal profit where there has been a final adjudication. Employment practices claims are technically separate, though for private companies they are commonly bundled into the same management liability package, which is worth confirming rather than assuming.
Personal asset protection
Defense costs
Board & investor requirements
What our clients say
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"Your team is always responsive and helps us figure out our insurance needs. You really keep up with our pace of business, and we appreciate that every single time."
Miles S.
Long-standing Commercial Client
Think you are covered correctly now?
Let us take a look at your current coverage.
Send us your D&O policy, or tell us you do not have one and who sits on your board. We will look at whether your individual directors are actually protected when the company cannot indemnify them, whether employment practices claims are inside or outside the policy, and whether the coverage would survive the kind of transaction or financing you might do in the next two years.
FAQ
Questions we hear about D&O.
Got a different question? Call us directly: (301) 431-0000. Or email us at info@capitolbenefits.com. The fastest way to answer a real question is to ask a real person.
These answers are general summaries. What is actually covered is determined by the terms, conditions, exclusions, and limits of the policy issued to you, and requirements vary by state, carrier, and business.
Get in touch
Let's take a look at what you've got.
A quick conversation. No deck. We'll tell you what's working and what isn't.