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					KRAUTER & COMPANY
                                                      P r o d uc t s
                                                                                      D&O

   UNDERSTANDING D&O

   There are several types of D&O policies currently available and they are generally
   separated into three categories: Public Company, Private Company and Non-Profit
   Entities. Public Company D&O has attracted a tremendous amount of attention in
   recent years. This stems from the ever changing regulation of public companies along
   with numerous high profile collapses. Many of the allegations facing Directors & Officers
   surround accounting irregularities (including restatements) and securities fraud. With
   Public D&O coverage, the entity is generally covered for only SEC related matters.
   Mergers, acquisitions, or divestiture activities heighten the risk of a potential claim.

   Private Company D&O is generally written in conjunction with Employment Practice
   Liability Insurance. The policy usually extends to provide entity coverage to most types
   of claims, and provides coverage to the employees of the corporation as well. About half
   of all claims filed against privately held companies will stem from employees alleging an
   Employment Practice Violations. The rest of the claims are brought by shareholders,
   customers, suppliers, competitors and even governmental bodies.

   Non-profit D&O has a similar structure to a Private Company Policy, but can also extend
   coverage to committee members and volunteers. Claims against non-profit directors
   and officers come from donors, employees, recipients of service, vendors, competitors
   and governmental bodies. Litigation can be costly and become a financial burden to the
   non-profit entity.

   WHY KRAUTER D&O?

   Krauter & Company’s Management Liability Group has extensive experience placing
   D&O coverage for each type of program. Many Krauter team members have has
   professional experience as underwriters, offering clients a unique perspective and
   benefit to program placement.

   MORE INFORMATION? CONTACT US.

   For more information about Krauter & Company’s D & O capabilities and professionals,
   send your request to: info@krautergroup.com.

				
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posted:5/6/2010
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