Leadership Deserves Protection Too.
Today’s business leaders make tough decisions every day — decisions that can carry personal risk. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock companies and nonprofits safeguard their leadership teams with Directors & Officers (D&O) Insurance, protecting their personal assets from lawsuits related to management decisions.
D&O Insurance protects company executives, board members, and managers from personal financial loss if they are sued for alleged wrongful acts in managing the organization.
These policies cover legal defense costs, settlements, and judgments arising from claims such as mismanagement, breach of duty, or errors in leadership decisions.
It’s a crucial safeguard for anyone in a leadership or decision-making role — whether in a small business, large corporation, or nonprofit organization.
Business owners and directors in Douglas County face increasing legal scrutiny — from employees, competitors, shareholders, and even customers.
Even honest mistakes can lead to lawsuits that threaten both the organization and personal assets.
D&O Insurance ensures that your leadership can make confident, strategic decisions without fear of personal financial exposure.
Common Allegations Covered:
Mismanagement of company funds or assets
Breach of fiduciary duty
Misrepresentation or errors in business decisions
Failure to comply with regulations or bylaws
Employment-related claims or discrimination oversight
D&O isn’t just for large corporations — it’s essential for:
Privately Held Companies – Owners and executives making financial or strategic decisions
Nonprofits & Charitable Boards – Volunteer board members can still be personally sued
Startups & Growing Businesses – Attract investors and protect founders during funding rounds
Partnerships & LLCs – Managing partners or appointed managers with decision authority
If you make policy, manage finances, or direct employees, you’re at risk.
A comprehensive D&O policy typically includes:
1. Side A – Individual Coverage
Protects directors and officers when the company cannot indemnify them (e.g., bankruptcy).
2. Side B – Company Reimbursement
Reimburses the company for indemnifying its leaders against covered claims.
3. Side C – Entity Coverage
Covers the organization itself when it’s named alongside executives in a lawsuit.
Additional Coverage Options:
Defense costs for regulatory or administrative investigations
Coverage for retired or former directors
Crisis and reputation management coverage
Castle Rock’s thriving mix of small businesses, nonprofits, and community boards means local leaders take on significant fiduciary responsibilities.
RMIA helps structure D&O policies that reflect your organization’s risk level, board structure, and regulatory environment — ensuring that every director, officer, and trustee is fully protected.
We work with top-rated carriers specializing in executive and nonprofit liability insurance across Colorado’s Front Range and Douglas County.
Independent & Objective: We shop multiple executive liability carriers to match your organization’s risk profile.
Local Experience: Over 20 years advising Colorado business owners and nonprofit boards.
Tailored Solutions: Custom coverage for corporations, startups, and nonprofit boards.
Guided Support: We assist with policy selection, renewals, and claims handling with care and confidentiality.
It covers legal defense and settlement costs if directors, officers, or board members are sued for decisions or actions taken while managing the organization.
The company or nonprofit usually pays the premium to protect its leaders and the organization itself.
No — intentional wrongdoing or illegal acts are excluded. Coverage applies to alleged or unintentional wrongful acts.
Not required, but many lenders, investors, and nonprofit boards require D&O coverage before funding or participation.
Typical limits range from $1 million to $5 million, depending on your organization’s size, board structure, and exposure. RMIA will help determine the right fit.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Your leaders make decisions that shape your organization every day — make sure they’re protected while doing it.
Let RMIA build a D&O Insurance plan that protects your directors, officers, and peace of mind.
