Directors and Officers Insurance

CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

Hospital bills, treatment, and prescriptions for a work-related injury or illness.

Medical expenses

Claims history

A lawsuit naming you or one of your board members personally can arrive without warning. A disgruntled shareholder, a regulatory investigation, even an employee alleging wrongful termination: any of these can put personal assets on the line. Directors and officers insurance exists to absorb that financial blow, covering legal defense costs, settlements, and judgments that would otherwise come straight out of individual pockets or the company's balance sheet. Yet most business owners in South Carolina, whether they run a manufacturing operation in Rock Hill or a restaurant group in Myrtle Beach, carry general liability and stop there. That gap can be devastating. Securities class action filings surged during the first half of 2026, and the trend isn't limited to Fortune 500 companies. Private firms, nonprofits, and mid-market businesses face the same exposure. Understanding what D&O coverage actually does, how its limits work, and what the claims process looks like will help you make a smart decision rather than an expensive guess.

Understanding D&O Insurance and Why it Matters

D&O insurance protects the people who make decisions on behalf of a company: directors, officers, and sometimes other senior managers. When someone accuses leadership of a wrongful act in their capacity as a company decision-maker, this policy responds. The "wrongful act" definition is broad and typically includes actual or alleged errors, misstatements, misleading statements, neglect, or breach of duty.


Why does this matter for a company that isn't publicly traded? Because lawsuits don't discriminate by company size. A vendor who feels your CFO misrepresented financial health during a contract negotiation, a competitor alleging unfair business practices directed by your board, or a state regulator pursuing your CEO over compliance failures: all of these trigger personal liability for the individuals involved.

The Difference Between Personal and Corporate Liability

General business insurance covers the company. D&O insurance covers the people running it. That distinction matters because plaintiffs often name individuals specifically, hoping to bypass corporate protections. If a director is personally sued and the company either can't or won't indemnify them, that director's home, savings, and retirement accounts are exposed. D&O policies step in to fill that gap.


South Carolina follows the standard corporate indemnification framework, but indemnification has limits. A company in financial distress may lack the cash to cover a director's legal bills, and certain claims, like derivative suits brought by shareholders, sometimes prevent the company from indemnifying at all.

Common Scenarios That Trigger a Claim

Real claims look different from what most people imagine. Here are situations that generate D&O claims regularly:


  • A minority shareholder sues the board for approving a merger at an unfairly low price
  • A former executive alleges wrongful termination and names individual board members
  • A regulatory agency investigates the company and personally targets officers for compliance failures
  • A creditor claims the board continued operating while the company was insolvent
  • AI-related corporate disclosures have become a growing source of securities litigation as investors challenge whether companies overstated their AI capabilities

Your CSP agent

Lawson Walker, CIC

Insurance Sales

CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.

From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity
Feature Basic Liability Only Full Coverage
Bodily injury liability State minimum (25/50) Higher limits (100/300+)
Property damage liability $25,000 $100,000+
Collision (your vehicle) Not included Included
Comprehensive (theft, weather) Not included Included
Uninsured motorist Optional Typically included
Rental car reimbursement Not included Often included
Typical annual cost (SC) $600-$900 $1,400-$2,200

The price difference is real, but so is the coverage gap. If you're financing or leasing a vehicle, your lender will require full coverage anyway.

The Three Pillars of Coverage: Side A, B, and C

D&O policies are structured around three distinct coverage parts, often called "sides." Each one protects a different party in a different situation. Understanding all three is essential because most claims involve more than one.

Protecting Personal Assets (Side A)

Side A kicks in when the company cannot or will not indemnify a director or officer. This is the most critical coverage for individuals because it protects personal assets directly. Bankruptcy is the classic trigger: if the company is insolvent, it can't reimburse anyone for legal costs. Side A pays defense costs, settlements, and judgments on behalf of the individual. Many boards insist on dedicated Side A policies with limits that can't be eroded by corporate claims.

Reimbursing the Corporation (Side B)

When the company does indemnify its directors and officers, Side B reimburses the company for that expense. Think of it as the company getting its money back. If your Columbia-based healthcare practice pays $400,000 defending its medical director against a regulatory claim, Side B reimburses that $400,000 to the company (subject to policy limits and any retention).

Entity Securities Coverage (Side C)

Side C covers the company itself, but only for securities claims. Public companies rely heavily on this coverage because securities class action settlements can reach tens of millions. Private companies with outside investors or complex ownership structures also benefit. Settlement values in securities cases increased during the first half of 2026, making adequate Side C limits more important than they were even two years ago.

Feature Basic Coverage Extended Coverage
Liability State minimums (25/50/25 in SC) $500K-$1M+ limits
Collision Often excluded or high deductible Included with lower deductible
Comprehensive May be excluded Included (theft, weather, vandalism)
HNOA Not included Typically included
Uninsured Motorist State minimum only Higher limits available
Roadside/Towing Not included Available as add-on
Rental Reimbursement Not included Available as add-on

For a restaurant owner in Florence with one delivery vehicle, basic coverage might seem sufficient. But if that driver causes a serious injury, the state minimum liability won't come close to covering the medical bills and legal costs. Extended coverage costs more upfront but prevents the kind of catastrophic out-of-pocket expense that closes businesses.

Comparing D&O with Other Business Policies

Business owners frequently confuse D&O with other liability policies. The confusion is understandable because there's overlap in language, but the coverage targets are fundamentally different.

The Difference Between Personal and Corporate Liability

Feature D&O Insurance General Liability Professional Liability (E&O)
Who's covered Directors, officers, the entity (securities claims) The business entity The busines
What's covered Wrongful acts in management capacity Bodily injury, property damage, advertising injury Errors or omissions in professional services
Typical claims Shareholder suits, regulatory actions, employment claims Slip-and-fall, product liability Client sues over bad advice or missed deadlines
Who sues Shareholders, regulators, employees, creditors Third parties (customers, visitors) Clients or customers
Defense costs Usually included within limits Typically outside limits Usually included within limits

The key takeaway: these policies don't substitute for each other. A general liability policy won't respond when a shareholder sues your board, and a D&O policy won't cover a customer who slips in your Florence storefront.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Determining Your Coverage Limits and Costs

Picking the right D&O limit isn't guesswork, but it does require judgment. Too little coverage leaves gaps. Too much wastes premium dollars.

Factors That Influence Your Premium

D&O premiums vary widely based on several factors:


  • Company revenue and total assets
  • Industry sector (financial services and healthcare pay more)
  • Claims history and prior litigation
  • Number of directors and officers
  • Whether the company is public, private, or nonprofit
  • Financial health and debt levels
  • Geographic exposure, including state-specific regulatory environments


A private South Carolina company with $10 million in revenue might pay anywhere from $2,500 to $15,000 annually for a $1 million D&O policy. A publicly traded firm could pay ten times that for the same limit. SEC enforcement activity remains a significant factor in pricing, as increased regulatory scrutiny drives up insurer risk assessments.

How to Choose the Right Limit for Your Industry

Start with your exposure, not your budget. Ask yourself: what's the realistic worst-case scenario? For a nonprofit board in Columbia, that might be a $500,000 employment practices claim. For a private equity-backed manufacturer, it could be a $5 million investor lawsuit.


An independent agency like CSP Insurance Services can run quotes across multiple carriers to compare how different limits affect your premium. Because they aren't locked into one insurer's product, they can find coverage structures that match your risk profile rather than forcing a one-size-fits-all solution. The difference between a $1 million and $3 million limit might only cost an extra $1,500 to $3,000 per year: a small price for meaningful protection.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

A D&O claim doesn't work like a fender-bender auto claim. The stakes are higher, the timelines are longer, and the process demands precision.

Reporting Requirements and Timelines

Most D&O policies are written on a "claims-made" basis, meaning the claim must be reported during the policy period or within a specified window after it expires. Miss that window, and coverage evaporates. The moment a director or officer receives a demand letter, subpoena, or even a credible threat of litigation, the insurer needs to know.


Some policies include a "notice of circumstances" provision that lets you flag a potential claim before it formally materializes. This is valuable because it locks in coverage under the current policy even if the actual lawsuit arrives months later. Pay close attention to your policy's reporting requirements: they're one of the most common reasons claims get denied.

Working With Legal Counsel and Adjusters

D&O insurers typically require pre-approval of defense counsel. You can't just hire your favorite attorney and send the bill. Most policies include a panel of approved law firms, though many insurers will consider adding your preferred firm if you make the request early.


The insurer assigns a claims adjuster who works alongside your legal team. Defense costs in D&O cases often consume a significant portion of the policy limit, so managing legal spend matters. Settlement authority usually requires insurer consent, and most policies include a "hammer clause" that limits the insurer's exposure if the insured refuses a reasonable settlement offer. Recent trends show settlement numbers and values both increased in early 2026, reinforcing why adequate limits and prompt reporting are critical.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Common Questions About D&O Coverage

Do small private companies really need D&O insurance?

Yes. Private companies face D&O claims from employees, vendors, creditors, and co-owners. A wrongful termination suit naming the CEO personally, or a minority owner suing the board over financial decisions, can cost six figures to defend even if you win. The size of your company doesn't determine the size of the lawsuit.

Does D&O cover illegal acts or fraud?

No. D&O policies exclude deliberately dishonest or criminal conduct. If a court determines that a director committed fraud, the policy won't pay. That said, defense costs are typically covered until a final adjudication of fraud, which means the policy still pays to defend the claim initially.

Is D&O insurance the same as Errors and Omissions?

They're different products. E&O covers professional mistakes in the services you provide to clients. D&O covers decisions made in your role as a company leader. A financial advisor giving bad investment advice needs E&O. That same advisor, if also a board member, needs D&O for governance decisions.

Can a spouse's assets be protected by this policy?

Many D&O policies extend coverage to spouses, but only for claims that arise from the insured person's role as a director or officer. If a plaintiff tries to attach jointly held assets like a family home, the policy's spousal coverage can help defend against that. Check your policy language: not all carriers include this automatically.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

What This Means for Your Business

D&O insurance isn't optional for any company with a board, outside investors, or leadership making decisions that affect other people's money. The exposure is real, the claims are increasing, and defense costs alone can cripple a business that assumed it would never happen to them. South Carolina businesses face the same litigation risks as companies anywhere else, with the added complexity of state-specific regulatory requirements.


The right policy depends on your company's structure, industry, and risk tolerance. Working with an independent agency gives you access to multiple carriers and objective advice rather than a single insurer's perspective. If you're unsure whether your current coverage is adequate, or if you don't carry D&O insurance at all, the team at CSP Insurance Services can help you evaluate your exposure and find a policy that fits. Request a quote to start the conversation, and get clarity before a claim forces the issue.

About the author

Lawson Walker, CIC

I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.


As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.


Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

Workers Compensation

Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.

Commercial Auto

Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

General Liability

Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.

Inland Marine

Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.

Business Owners (BOP)

A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Personal Insurance

Coverage for your home, vehicles, and family.

Protect what matters most with personal policies shopped across our carriers.

Home

Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.

Auto

South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.

Umbrella

When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.

Boat

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Condo

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

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Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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Industries We Serve

Specialized coverage for your industry.

Every industry carries its own risk. We help South Carolina businesses protect what they've built.

Restaurants

Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.

Manufacturers

From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.

Healthcare Providers

Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

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Commercial Auto

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Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

How It Works

Getting covered is simple.

Four steps, one real person from start to finish.

Tell us about you

Share a few details about what you need to protect. A real person reviews it.

We compare carriers

We shop options across our carriers to find strong protection at a fair price.

We recommend coverage

We walk you through the policy in plain language and answer every question.

You get covered

Sign with confidence — and we stay on for changes, claims, and yearly reviews.

We compare several carriers to find a policy that fits you, not one company's products.

Multi-carrier choice

Claims advocacy

When a claim happens, we stand in your corner and help move it forward with your carrier.

Local SC roots

We live and work in Florence and understand the risks your community faces because we face them too.

Client Reviews

Why clients choose CSP.

Independent advice, real people, and decades of local roots.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

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Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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FAQs

Questions, answered.

Straight answers about working with an independent agency.

  • What does an independent insurance agency do?

    An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.

  • Do you cover both personal and business insurance?

    Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.

  • How long has CSP been in business?

    CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.

  • Will I work with a real person?

    Always. No call centers and no chatbots — you work with a local team member who knows your account.

  • Which areas do you serve?

    We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.

  • How do I get a quote?

    Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.

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We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Get a Quote

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2420 Hoffmeyer Road, Suite D
Florence, SC 29501

Mon–Fri 8:30am – 5:00pm