Startup Coverage
Directors & Officers (D&O) Liability.
D&O insurance protects your founders, executives, and board members from personal liability arising from their management decisions. Investor disputes, employment claims, regulatory actions, and securities suits can name individuals directly — exposing their personal assets without this coverage in place. Institutional investors almost universally require D&O as a condition of closing a funding round.
D&O Insurance for Startup Founders and Boards
D&O insurance protects your founders, executives, and board members from personal liability arising from their management decisions. Investor disputes, employment claims, regulatory actions, and securities suits can name individuals directly — exposing their personal assets without this coverage in place. Institutional investors almost universally require D&O as a condition of closing a funding round.
How OnePark Risk Helps
OnePark Risk helps pre-seed through late-stage companies structure D&O programs with Side A (individual protection), Side B (corporate indemnification reimbursement), and Side C (securities claims) coverage properly balanced. We coordinate with your legal counsel to align policy terms with your cap table structure, governance documents, and any investor rights agreements that impose specific coverage requirements.
Board & Investor D&O Requirements Checklist
- Coverage bound at or before the priced-round closing date, as most investor rights agreements require
- Limits sized to capital raised — investor term sheets commonly specify a minimum D&O limit
- Side A protection so directors are covered even if the company cannot indemnify
- Investor claims alleging misrepresentation in fundraising materials
- Regulatory investigations and creditor claims targeting company executives
- M&A disputes, derivative suits, and pre-IPO or SPAC securities exposure