What Does D&O Insurance from Beazley Cover?

Beazley underwrites private-company directors and officers (D&O) liability itself, offered as a standalone product on its D&O - Private Companies page and bundled with employment practices and fiduciary liability coverage in its ExecuGuard package policy. ^1,2Company-reportedUS private-company D&O as described on the two reviewed product pages; does not establish which entity issues a particular policy.

Neither the D&O - Private Companies page nor the ExecuGuard page names the specific Beazley insurance entity that issues the policy; ExecuGuard states both admitted and non-admitted versions are available, so the issuing carrier depends on the policy placed. ^1,2Not found in reviewed sourcesBoth product pages as read on 2026-09-23; the issued policy's declarations control the actual insurer.

The D&O page targets privately held companies of all sizes facing litigation such as employment allegations, fraud and misrepresentation claims, without a stated employee-count or revenue threshold on that page. ^1,2Company-reportedPrivate-company D&O only; ExecuGuard buyers can additionally choose to share limits across D&O, EPL and fiduciary coverages.

The D&O product lets the policyholder choose between a "duty to defend" or "pay on behalf" claim-handling structure, and Beazley says it pays 100% of defense costs for covered loss. ¹Company-reportedD&O - Private Companies product page; actual defense obligations and cost-sharing are set by the issued policy.

Beazley offers a dedicated additional Excess Side A limit for individual directors and officers, plus an optional employed-lawyers errors-and-omissions extension. ¹Company-reportedD&O - Private Companies product page; availability and pricing of the extension depend on underwriting.

Beazley advertises private-company D&O limits up to US $20 million, on either an admitted or non-admitted (surplus lines) basis; actual limits and retentions are set by underwriting and appear on the declarations. ^1,2Company-reportedAdvertised maximum capacity, not a guaranteed quote amount.

D&O policyholders get pre-approved choice-of-counsel flexibility, and law-firm insureds can access a bespoke executive-risk wording through Beazley's related Practice Protect product. ¹Company-reportedD&O - Private Companies product page; scope and terms of the Practice Protect wording were not independently reviewed.

Beazley lists a downloadable EPL renewal application as a tool on the D&O page and names regional Executive Risk underwriters and brokers as contacts, but the reviewed page does not describe a self-service online quoting flow for new D&O business. ¹Company-reportedD&O - Private Companies product page as read on 2026-09-23; buyers typically work through a broker or underwriter contact.

Beazley illustrates its D&O claims approach with a securities class-action and shareholder derivative-action scenario in which its claims team worked with the insured's defense counsel toward a dismissal, avoiding a settlement; this is a single company-reported example, not audited claims-outcome data. ²Company-reportedExecuGuard page scenario section; outcome statistics are not independently verified.