Directors And Officers Insurance in Texas

Directors and officers (D&O) insurance covers the personal liability of your company’s directors and officers when they are sued over decisions made in their official roles—claims such as alleged breach of fiduciary duty, mismanagement, misrepresentation, or wrongful acts in hiring, strategy, or disclosure.

It does not cover intentional fraud, criminal acts, bodily injury, or property damage; those fall outside D&O and are handled under other policies such as general liability or crime coverage.

In Texas, boards of corporations, nonprofits, HOAs, and private companies face real exposure from shareholder suits, employment-related claims, regulatory actions, and disputes with vendors or members. Without D&O, a judgment or defense cost can reach directors’ and officers’ personal assets—homes, savings, and wages—not only the company’s balance sheet.

Steve White Insurance Group helps Texas organizations compare D&O options across multiple carriers so the policy form, limits, and exclusions match how your board actually operates.

Directors and officers insurance is designed for the people who run a company—board members, executives, and sometimes managers—when someone sues them over how the business was led. It responds to claims alleging wrongful acts in that role, such as breach of fiduciary duty, mismanagement, or employment-related decisions at the leadership level. It does not cover intentional fraud, criminal acts, or personal misconduct outside your official duties.

In Texas, that means private companies, nonprofits, startups with a formal board, and growing firms that answer to investors, employees, or regulators. If you sit on a board, sign off on strategy, or hire and fire as an officer, a claim can name you personally even when the organization is the real target.

Steve White Insurance Group has served Texas clients for 20 years and helps you match D&O limits and side A/B/C structure to how your board actually operates. Whether you lead a closely held business in Texas or a nonprofit board, we shop options across carriers so the policy fits your risk—not a one-size form from a single insurer.

Steve White Insurance Group is an independent Texas agency, so we shop Directors and Officers Insurance across 13 carriers—AIG, Allstate, AmTrust North America, Centauri, Chubb, Encompass, Germania, National General, Nationwide, Progressive, The Hartford, Travelers, and Universal North America—instead of locking you into one insurer’s form. With 20 years in business, we compare limits, retention options, and side-A/B/C structures side by side and keep the recommendation on your side of the table.

When a claim or demand lands, you work with one local advocate who already knows your policy and your board—not a rotating call-center queue at a single carrier. That same relationship carries through renewals, coverage questions, and market changes so you are not starting from scratch each year. Call (214) 865-9966 for a free, no-obligation D&O quote tailored to your Texas organization.