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Directors & Officers Liability insurance provides coverage for your own “wrongful act” while performing duties as a Director of Officer of the insured entity, or the "wrongful acts" of other board members.
Why Do You Need Director’s & Officers Liability Insurance?
While an organization is legally permitted to cover the costs incurred as a result of personal liability stemming from the activities performed on behalf of the organization, this ability, called indemnification, may not apply to every situation. The director or officer may become personally liable in their duties performed for the organization.
There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
Theft of the Vehicle
Tolling, or Turning the Vehicle Over
Lease Gap coverage
Loss of Use
Glass, Tire and Undercarriage Damage
Animal Collision
Flood and Hail Damage
Damage above the Windshield
Individuals who rent personal vehicles for extended periods and do not have a Personal Auto policy in force
Drivers who rent, and do not own another vehicle insured elsewhere, need to be expecially careful here
Understanding the types of cyber criminals and their techniques can help protect your organization from a data breach. Here are some common threats and steps a business can take: