RF Ougheltree Insurance

Insurance Companies

It’s essential to protect the company assets and management team from diverse and costly litigation brought by shareholders, customers, regulators and other parties that have a stake in the organization.

The potential for a company and its board to be sued grows as more and more people turn to litigation to resolve disputes. Claims range from alleged failure of the board to properly evaluate a merger or sale of the company to alleging breach of an implied covenant of good faith and fair dealing, failure to settle a claim or perform professional services to third parties.

Insurance company professional services are quite varied and include the rendering of the insured's claims handling and adjusting, risk management, safety engineering, safety inspection and loss control operations, personal injury rehabilitation operations, salvage operations, recovery subrogation services, premium financing operations, insurance consulting, or actuarial consulting services. 

In response to the complexity of exposures in this industry, insurance products have been designed to provide management and professional liability protection for insurance companies of all types.

Eligible Accounts:

No restrictions

Policies are placed for any mono or multi-line private, public or mutual insurance company or risk transfer organization including property, casualty, specialty lines, life or accident & health insurance companies.

Alternative risk transfer (A.R.T.) facilities including captives, risk retention groups, reciprocals, and exchanges that offer property and casualty, workers' compensation, and life, accident, and health solutions, as well as privately held non-rated insurance companies (i.e., insurance companies without an A.M. Best Company financial strength rating).

Coverage is developed for risks that are experiencing a range of situations.

  • Insurance Company cancellations or non renewals due to unfavorable claims experience.
  • Organizations facing financial distress including reorganization
  • Start ups
  • Restructurings
  • Other special situations


Negotiating the correct coverage for the desired level of protection can be involved and require various carriers and policy forms.

As a D&O specialist, Hull & Company, Inc. (RFO) develops a variety of protection options for the boards of insurance company or risk transfer organizations. We welcome you to contact a staff broker to discuss a particular risk.

  • Admitted and non-admitted insurance companies
  • Traditional Primary and Excess coverage
  • Side A Excess Difference-In-Conditions coverage for preserving personal liability coverage when the company:
    • fails or refuses to indemnify a director or officer.
    • is sued along with the directors and officers, and the D&O policy limits are eroded or consumed by the policy's entity coverage.
    • is financially unable to indemnify its directors and officers against claims made against them.
    • is prevented by law (domestic or international) from indemnifying its directors and officers for the particular claim at issue.
  • Limits vary by account. High limits available for large risks.


Package Application 1 (includes D&O, Employment Practices Liability, Fiduciary, Professional Liability, Employed Lawyers Liability , Security & Privacy Insurance)

Package Application 2 (includes D&O, Employment Practices Liability, Fiduciary, Professional Liability)

Package Application 3 (includes D&O, Outside Directorship Liability, Employment Practices Liability, Fiduciary, Professional Liability, Bond)

Other Coverages:

All or most other coverages that comprise the Hull & Company, Inc. (RFO) practice are appropriate. Contact a staff broker to discuss a particular account.

All insurance product and/or coverage descriptions are informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverage may not be available in all jurisdictions.