We lead with values so you can lead with confidence.
At Higginbotham, we set ourselves apart with our consultative approach to insurance services.
From enterprise organizations seeking entity coverage to individual leaders looking to better manage their personal liability, we take the time to learn you by name and nuance so we deliver a policy that fits your needs. If you decide D&O is a good fit, we proactively advocate in your best interest, getting you the most competitive prices available.
And our work doesn’t stop there.
After your coverage is placed, the true work begins. Our seasoned team of risk management professionals provide year-round value with our Day Two Services®.
Because while insurance is our something, our customers are our everything.
To learn more about how our values-based approach drives value for you and your business, click here.
Or visit our Insights page to learn more about director and officer risk management.
Doing the work to design a D&O insurance plan that fits your needs can seem like a tall order. Not with us in your corner. With our nationwide network of insurance carriers and deep industry experience, we’ll get you the custom coverage you need.
Talk to a seasoned directors and officers insurance specialist.
Higginbotham is more than just another insurance company. They are a trusted solutions-driven partner highly dedicated to helping their clients find the right options for their individual needs.
While some similar insurance policies cover a specific person, directors and officers policies are usually purchased by an organization to cover all directors and officers it employs. Directors and officers insurance can be tailored to fit various needs and risk exposures, with a few standard perils that almost every policy covers.
These can include lawsuits filed on the grounds of:
Some examples of common exclusions include:
Regardless of the specific risks faced by your company leadership, any individual who serves as the director or officer of a nonprofit or for-profit organization would be wise to consider D&O insurance.
If your organization has a board of directors or employs officers in any capacity, you should explore this coverage.
Because the state law governing directors and officers allows their personal assets to be awarded in a lawsuit, D&O can be a crucial protection. In addition to helping cover the costs of legal defense and settlement payments for your organization, maintaining this coverage can also aid in recruiting efforts, as most top talent wouldn’t consider working for an organization that doesn’t carry it.
At Higginbotham, we take a consultative approach to customer service and risk management.
Whether you have a single policy, a commercial package or many insurance policies covering multiple locations and risks, we take the time to understand your unique needs so we deliver the best coverage at the best price available.
But we don’t stop there.
Our work continues 365 days a year. We have a Day Two Services® team that works in tandem with our risk management specialists to deliver year-round value.
From help with compliance to safety audits and claims advocacy, our Day Two Services® team helps you mitigate risks, avoid costly claims and better position your operations so you can focus on what matters most: growing your business.