--- title: "What Are D&O Insurance Claim Examples?" description: "Typical D&O claims are shareholder or investor suits over misleading statements, creditor claims after insolvency, and regulatory investigations of company leaders." canonical: "https://thegeneralaverage.com/insurance-faq/directors-officers/do-claim-examples" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "directors-officers" question: "do-claim-examples" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-faq/directors-officers/do-claim-examples) ## Agent Guide **What this page is:** Direct, cited answer to the question "What Are D&O Insurance Claim Examples?" within the Directors Officers FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - What Are D&O Insurance Claim Examples? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Directors Officers FAQ](https://thegeneralaverage.com/insurance-faq/directors-officers) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [What Does D&O Insurance Cover?](https://thegeneralaverage.com/insurance-faq/directors-officers/what-does-do-cover) — related question - [Does D&O Cover Shareholder Lawsuits?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-shareholder-lawsuits) — related question - [Does D&O Cover Investor Lawsuits?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-investor-lawsuits) — related question - [Does D&O Cover Founders?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-founders) — related question - [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) — related coverage guide # What Are D&O Insurance Claim Examples? Typical D&O claims are shareholder or investor suits over misleading statements, creditor claims after insolvency, and regulatory investigations of company leaders. Typical D&O claims allege that leaders misled shareholders or investors, breached their fiduciary duties, acted beyond their authority, or broke a law or regulation. Whether a given claim is paid depends on who is sued and what the policy says. A shareholder suit over misleading statements can trigger coverage for the individual directors and officers (Sides A and B), and entity coverage (Side C) if your form includes it. A creditor claiming officers mismanaged funds before an insolvency can run into insured-versus-insured, bankruptcy or prior-matter terms. A regulator's formal subpoena meets one policy's definition of a claim but not another's. If you receive a real demand, keep the papers and report it as the policy requires. Before you settle or admit anything, check who is insured, which policy period applies, the exclusions, the insurer's consent rights over defense, the retention and the remaining limit. ## More Questions About D&O Insurance - [What Does D&O Insurance Cover?](https://thegeneralaverage.com/insurance-faq/directors-officers/what-does-do-cover) - [Does D&O Cover Shareholder Lawsuits?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-shareholder-lawsuits) - [Does D&O Cover Investor Lawsuits?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-investor-lawsuits) - [Does D&O Cover Founders?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-founders) ## Coverage Guides Related to D&O Insurance - [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) ## Sources for This Answer 1. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; III.A–E pp.1–2; III.J–M pp.2–3; IV Exclusions pp.3–4; VI Defense and Settlement pp.6–7; form version PDO-3001 Ed. 01-09. Accessed 2026-09-25. 2. [Directors and Officers insurance](https://www.iii.org/article/directors-and-officers-insurance). Insurance Information Institute (Triple-I); What D&O covers; What’s excluded?; The added value of protecting company leaders. Accessed 2026-09-25. More answers: [Directors and Officers (D&O) Insurance FAQ](https://thegeneralaverage.com/insurance-faq/directors-officers). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-faq/directors-officers/do-claim-examples.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)