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What is D&O Insurance?

Provided by AJ Thomas Insurance Services

A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as “management errors and omissions liability insurance”, covering claims resulting from managerial decisions that have adverse financial consequences. The policies contain “shrinking limits” provisions, meaning that defense costs-which are often a substantial part of a claim-reduce the policy’s limits. This approach contrasts with commercial general liability (CGL) policies, in which defense is covered in addition to policy limits. Other distinctive features of D&O policies are that they: (1) are written on a claims-made basis, (2) usually contain no explicit duty to defend the insureds (when covering for-profit businesses), and (3) cover monetary damages but exclude bodily injury (81) and property damage (PO).

Why look for, call, and complete applications to several different companies when you can make ONE call to AJ Thomas Insurance Services?

Giving you choices, options, and knowledge of the products we give you the tools to be better prepared when it comes to coverage, liability and exposure.

Why AJ Thomas Insurance Services?

Let us show you why we are the best

There are many types of insurance brokers and companies. Some of these firms only use or have access to one program; therefore, you are provided with one quote. If you are looking for the best coverage and premium and want to know what else is available, you have to look elsewhere which takes even more time. Working with a broker who has access to multiple programs is a big advantage!

It allows you to save the time it would take to call other companies, look for programs, and the time it takes to fill out different applications for each company. We are able to take your information to multiple insurance companies, provide you with all of the available options and let you decide what is best. You won’t need to find multiple insurance companies or brokers and won’t have to fill out multiple application

Knowledgable & Friendly

Knowledgeable and friendly staff that exceeds customers expectations.

Exceeding Expectations

Policies that meet and exceed the expectations of our clients.

On-Time Policy Changes

Policies, endorsements, claim handling will be handled on time with minimal errors.

Personal Contact & Service

Personal contact and service is our cornerstone for success. Mass marketing is replaced with personal phone calls to our clients at all times.

Ongoing Industry Relationships

Our excellent working relationships with our insurance markets allow us to be ahead of industry changes & coverage options.

Excellent Communication

We emphasize service and ongoing support, ensuring our clients remain informed of required coverage changes or issues.

testimonials

Hear what our customers have to say

Tom and AJ Thomas Insurance Services has been our provider for the last several years. Communication has always been prompt and whenever there is a question or concern he works to get the answers and keeps your best interest at heart! He has assisted us with our E&O and Cybersecurity policies.

Kristine
Michigan
Century 21

Working with Tom and his staff is always effortless and he makes it very easy for us. We have our E&O insurance WC, and GL policies with his firm and they always deliver excellent customer service and are always there for me.

Nancy N.
California
Re/Max

We have been working with Tom and his firm AJ Thomas Insurance for the past 12 years and have nothing but good to say about him and his staff. Always very professional, and very knowledgeable when it comes to insurance with the real estate industry. He has been great to work with and has really helped us out with issues that have come up as well.

George R.
Florida
Keller Williams

Tom has an always been an amazing asset for my company. His knowledge is priceless and he was always available and willing to share. I have used previous insurance brokers in the past and they pale compared to Tom’s hands on approach. He help prevent many possible issues before they happened. I HIGHLY recommend him.

Antonio A.
Broker/Owner
Keller Williams