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Side A / Excess D&O Insurance - Let us find your best coverage - extra protection for directors personally

Side A coverage protects directors and officers personally when the company cannot or will not indemnify them, such as in bankruptcy. Underwriters look at the primary D&O tower and finances. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Side A / Excess D&O Quote Request

Applicant Information:

Business Structure (Optional - choose one)

Have these handy

  • Primary D&O policy and declarations
  • Current tower of insurers and limits
  • Latest financial statements
  • Board composition

Related coverage

Coverage details

What Side A / Excess D&O coverage includes

Side A coverage protects directors and officers personally when the company cannot or will not indemnify them, such as in bankruptcy.

  • Non-indemnifiable loss - Covers directors when the company cannot pay.
  • Bankruptcy protection - Not tied up as a company asset in bankruptcy.
  • Excess limits - Sits above your primary D&O policy.
  • Difference in conditions - Drops down when primary coverage denies or fails.
  • Independent directors - Optional dedicated limits for outside directors.

Good to know: Side A DIC is usually priced at a fraction of primary D&O and is often what outside board members ask for before they will join.

Not covered: claims excluded under the primary policy unless DIC applies, prior and pending litigation, and fraud once adjudicated.

Insurance Application:

Side A / Excess D&O

Required forms

Side A / Excess D&O Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

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