A sudden drop in the share price of a company listed on a USA stock exchange can be a source of concern for a D&O insurance professional. Effectively, a share price decrease represents a loss to shareholders and may suggest trouble for Directors and Officers (D&Os), with the worst-case scenario being a securities class action on the horizon and, hence, a claim under the D&O policy. But is a drop in the share price of a company the result of a director or officer doing something wrong? Not necessarily!

Mastering Directors & Officers (D&O) liability insurance is essential for underwriters, brokers, and risk managers. From understanding policy fundamentals and litigation trends to refining underwriting practices, a structured learning approach can fast-track your expertise. Stay ahead with expert-led masterclasses that cover everything from coverage essentials to real-world claims analysis. 🚀

Financial analysis is a critical yet often overlooked aspect of Directors & Officers (D&O) insurance underwriting. Since underwriters lack direct access to boardroom decisions, financial statements serve as key indicators of management quality, fraud risks, and potential insolvency. However, interpreting these financials requires specialized knowledge. Enhancing financial analysis skills can significantly improve risk assessments and underwriting accuracy. Discover how targeted training can help D&O professionals decode financial red flags and make informed decisions. 🚀

Despite closely following economic news, we noticed that Moody’s positive news on the change in Spain's outlook from stable to positive seemed to fly under the radar of much of the financial media. While a change in outlook might not carry the same weight as a rating upgrade, it remains significant. 

The main aim of the D&O policy is to cover senior natural persons who manage and set a company's strategy when such persons face claims resulting from the performance of their functions or duties. In other words, the D&O policy covers management mistakes of a company's directors and officers.

Adding a professional services exclusion is common in D&O insurance policies for financial institutions such as banks, fund managers, and insurance companies. Typically, this exclusion is drafted using the term “arising out of.”

I have worked as a Director and Offices (D&O) Insurance underwriter for over a decade, and one aspect of the role that has surprised me the most is the limited formal training that D&O underwriters receive throughout their careers.