--- title: "Does D&O Cover Employees?" description: "Some D&O policies include employees as insureds for defined acts in an insured capacity." canonical: "https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-employees" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "directors-officers" question: "do-cover-employees" --- 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. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-employees) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does D&O Cover Employees?" 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:** - Does D&O Cover Employees? **Key facts:** - Cites 3 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 - [Does D&O Cover Employment Claims?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-employment-claims) — related question - [Does D&O Cover Founders?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-founders) — related question - [D&O vs EPLI: What’s the Difference?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-vs-epli) — related question - [What Does D&O Insurance Cover?](https://thegeneralaverage.com/insurance-faq/directors-officers/what-does-do-cover) — related question - [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) — related coverage guide # Does D&O Cover Employees? Some D&O policies include employees as insureds for defined acts in an insured capacity. Some forms include employees as insured persons, but that does not make every employee-related dispute a D&O claim. Side A or B may apply to a covered management claim against an eligible employee; Side C depends on a separate entity grant. Employment exclusions and insured-versus-insured provisions can narrow claims, while a separate EPLI section may respond to allegations such as discrimination or harassment. Check how the form treats current and former employees, applicants, wage claims, and claims by the company. Confirm whether EPLI is included, separately limited, or shares the D&O aggregate. ## More Questions About D&O Insurance - [Does D&O Cover Employment Claims?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-employment-claims) - [Does D&O Cover Founders?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-cover-founders) - [D&O vs EPLI: What’s the Difference?](https://thegeneralaverage.com/insurance-faq/directors-officers/do-vs-epli) - [What Does D&O Insurance Cover?](https://thegeneralaverage.com/insurance-faq/directors-officers/what-does-do-cover) ## Coverage Guides Related to D&O Insurance - [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) ## Sources for This Answer 1. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance; Fiduciary Liability Insurance; General Liability Insurance; Management Liability Insurance; Underwriting. Accessed 2026-09-25. 2. [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. 3. [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-cover-employees.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)