All Financial Lines

Directors and Officers (D&O) insurance protects corporate directors, officers, and the organization itself from claims alleging wrongful acts in the management of a company. 

These claims often arise from decisions related to governance, financial reporting, or strategic direction.

Private companies, venture backed businesses, nonprofit organizations, and public companies commonly carry D&O insurance to protect leadership and attract qualified board members. EIS assists clients in evaluating governance exposure, determining appropriate policy limits, and structuring coverage with insurers experienced in management liability risks.

Common claim scenarios include:

Professional Liability insurance, often referred to as Errors and Omissions (E&O) insurance, protects businesses that provide professional services or advice. This coverage addresses claims alleging negligence, errors, omissions, or failure to deliver services as promised.

Claims may arise when clients experience financial loss due to alleged mistakes, project failures, or unmet contractual obligations. EIS works with professional service firms to evaluate operational risk and structure coverage tailored to their services and contractual exposure.

Typical industries requiring E&O coverage include:

Cyber Liability insurance addresses financial losses resulting from cyber incidents such as ransomware attacks, data breaches, and network disruptions.

Organizations increasingly rely on digital systems and store sensitive customer and operational data. As a result, cyber risk has become one of the most significant operational exposures businesses face today.

EIS assists clients in evaluating cyber risk exposure and structuring insurance programs designed to support incident response and financial recovery following a cyber event.

Cyber insurance policies may cover:

Fiduciary Liability insurance protects organizations and individuals responsible for managing employee benefit plans. Under federal regulations such as ERISA, fiduciaries have legal responsibilities when administering retirement and employee benefit plans. Claims may arise if participants allege mismanagement of plan assets or improper administration.

Fiduciary Liability insurance helps organizations manage these exposures while protecting plan administrators and leadership from personal liability.

Typical allegations include:

Crime insurance protects organizations from financial loss caused by fraud, theft, or dishonest acts. These policies typically address both internal and external threats, including employee misconduct and cyber enabled fraud.

As financial transactions increasingly occur digitally, organizations face greater risk from sophisticated fraud schemes. Crime insurance provides financial protection against these losses.

Common exposures include:

Political Risk insurance protects companies and investors operating in international markets from government actions or political instability. Organizations conducting business abroad may face risks such as regulatory changes, contract cancellation by government authorities, or restrictions on transferring funds across borders.

EIS assists clients operating internationally in evaluating sovereign risk and identifying appropriate insurance solutions.

Typical risks addressed by political risk coverage include:

Representations and Warranties insurance is commonly used in mergers and acquisitions transactions. The coverage protects buyers or sellers from financial losses arising from breaches of representations made in transaction agreements. This insurance structure helps facilitate transactions by reducing the need for large escrow arrangements and allocating risk to an insurer.

EIS works with clients and transaction advisors to evaluate when representations and warranties insurance may be appropriate in connection with corporate transactions.

Typical benefits include: