RF Ougheltree Insurance

Investment Advisors and Consultants

The financial well-being of the firm and its directors and  officers is at risk in today’s complicated legal and regulatory environment.  A wide range of actions can be brought by any number of parties -- not only by clients but also by shareholders, employees and regulators.

The Investment Advisers Act of 1940 creates significant accountability for Investment advisers and consultants.  Exposures can be triggered by not meeting client expectations, mis-stating financial results, or even violating federal regulations.  There is also the risk of extensive federal and state laws governing employment practices that makes claims by employees common and costly.  Even routine business decisions can lead to liability for the firm and its management.

Eligible Accounts:

No restrictions. 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.

Investment Advisors and Consultants can choose from a number of liability coverages that can be combined into one comprehensive primary or excess insurance program with competitive retentions and premiums:

  • Directors & Officers Insurance
  • Employment Practices Liability Insurance
  • Fiduciary Liability Insurance
  • Employed Lawyers Professional Liability Insurance
  • Security and Privacy Liability Insurance
  • Investment Advisors and Consultants

As a D&O specialist, Hull & Company, Inc. (RFO) develops a variety of protection options for Investment Managers/ Advisors and Consultants. 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.


New Business Application

(includes Directors and Officers Liability, Employment Practices Liability, Fiduciary Liability, Professional Liability)

Other Coverages:

All or most other coverages that comprise the 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.