{"id":1111,"date":"2018-10-16T13:35:07","date_gmt":"2018-10-16T13:35:07","guid":{"rendered":"https:\/\/bhmdev.com\/sphilipsins\/?post_type=suretybonds&#038;p=1111"},"modified":"2026-05-13T09:57:24","modified_gmt":"2026-05-13T16:57:24","slug":"directors-officers-insurance","status":"publish","type":"suretybonds","link":"https:\/\/bhmdev.com\/sphilipsins\/bonds\/directors-officers-insurance\/","title":{"rendered":"Directors &#038; Officers Insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Feature&#8221; _builder_version=&#8221;3.22&#8243; background_color=&#8221;#eaf7fd&#8221; custom_padding=&#8221;50px||100px||false|false&#8221; bottom_divider_style=&#8221;arrow3&#8243; bottom_divider_color=&#8221;#ffffff&#8221; bottom_divider_flip=&#8221;horizontal&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row padding_top_bottom_link_1=&#8221;true&#8221; _builder_version=&#8221;3.25&#8243; max_width=&#8221;1280px&#8221; custom_margin=&#8221;0px||0px||true&#8221; custom_padding=&#8221;0px||0px||true&#8221; animation_direction=&#8221;bottom&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;0px||0px|&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;TOP LEVEL BOND NAME&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;Kanit|||on|||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#0788CA&#8221; header_font_size=&#8221;44px&#8221; header_line_height=&#8221;1.1em&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_3_text_color=&#8221;#0788CA&#8221; header_4_text_color=&#8221;#0788CA&#8221; header_5_text_color=&#8221;#0788CA&#8221; header_6_text_color=&#8221;#0788CA&#8221; max_width=&#8221;70%&#8221; max_width_tablet=&#8221;96%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; custom_padding=&#8221;|||&#8221; custom_padding_tablet=&#8221;|0vw||0vw||true&#8221; custom_padding_phone=&#8221;|||||false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;fade&#8221; animation_direction=&#8221;bottom&#8221; header_font_size_tablet=&#8221;36px&#8221; header_font_size_phone=&#8221;&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 class=\"h1_h2\">Directors &amp; Officers Insurance<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;SUBTITLE&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;|900|||||||&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_color=&#8221;#5e7a8a&#8221; header_2_font_size=&#8221;21px&#8221; header_2_letter_spacing=&#8221;1.6px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_6_font=&#8221;Montserrat|300|||||||&#8221; header_6_text_align=&#8221;center&#8221; header_6_text_color=&#8221;#85c344&#8243; header_6_letter_spacing=&#8221;0.2px&#8221; header_6_line_height=&#8221;1.4em&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;-14px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||true&#8221; custom_padding_tablet=&#8221;|0vw||0vw||true&#8221; custom_padding_phone=&#8221;|||||false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;5%&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>S Philips Insurance Services is a Nationwide Supplier of Surety Bonds<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;About&#8221; _builder_version=&#8221;3.22&#8243; custom_padding=&#8221;60px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; custom_margin=&#8221;0px||60px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; use_custom_width=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;OVERVIEW \/ DESCRIPTION&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#009285&#8243; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; max_width=&#8221;80%&#8221; max_width_tablet=&#8221;96%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||20px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Directors and Officers Insurance<\/strong> is 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 &#038; 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.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Feature&#8221; _builder_version=&#8221;3.22&#8243; background_color=&#8221;#345168&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;#5e7a8a&#8221; background_color_gradient_end=&#8221;rgba(94,122,138,0.78)&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/bhmdev.com\/sphilipsins\/wp-content\/uploads\/2018\/10\/bonds-1.jpg&#8221; custom_padding=&#8221;7.5%||10%||false|false&#8221; bottom_divider_style=&#8221;slant&#8221; bottom_divider_color=&#8221;#ffffff&#8221; bottom_divider_flip=&#8221;horizontal&#8221; 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you\u2019re looking for? Chances are we probably offer it! There\u2019s thousands of bonds out there and it would be impossible to list them all. <strong>Contact us today to get a quote for the specific bond you need<\/strong>.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#quick-quote&#8221; button_text=&#8221;Get a Quick Quote Today&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.13.0&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#0788CA&#8221; button_border_width=&#8221;12px&#8221; button_border_color=&#8221;RGBA(0,0,0,0)&#8221; button_border_radius=&#8221;50px&#8221; button_letter_spacing=&#8221;2px&#8221; button_font=&#8221;Kanit|300||on|||||&#8221; button_icon=&#8221;&#x39;||divi||400&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;20px||0px|&#8221; custom_margin_tablet=&#8221;|0vw||0vw||true&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; custom_padding=&#8221;|||&#8221; animation_style=&#8221;fade&#8221; 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module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>SPECIAL: NEW HOME REMODEL OR REPAIR BOND<\/strong><br \/>Guarantee of funds, this new bond covers the money that a homeowner advances to the contractor in accordance with their written agreement and helps contractors make homeowners feel more secure when advancing monies.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#quick-quote&#8221; button_text=&#8221;CLICK HERE FOR APPLICATION AND MORE DETAILS ON COVERAGE&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.13.0&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; 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admin_label=&#8221;About&#8221; _builder_version=&#8221;3.22&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;#ffffff&#8221; background_color_gradient_end=&#8221;#f4f4f4&#8243; custom_padding=&#8221;50px|0px|50px|0px|true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; custom_margin=&#8221;0px||0px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; use_custom_width=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Don\u2019t see the specific bond you\u2019re looking for? &#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#009285&#8243; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;center&#8221; max_width_tablet=&#8221;96%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Don\u2019t see the specific bond you\u2019re looking for? Chances are we probably offer it! There\u2019s thousands of bonds out there and it would be impossible to list them all. <strong>Contact us today to get a quote for the specific bond you need<\/strong>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.14.8&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;FAQs About the Best Surety Bond Company&#8221; _builder_version=&#8221;4.14.8&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Frequently Asked Questions About Our Services | Directors&#8217; and Officers&#8217; Insurance 101<\/h2>\n<p><span style=\"font-weight: 400;\">Getting insurance coverage against compensation claims is something that can protect board members (and their businesses) in the long run. Employees working in any company can file a lawsuit for different reasons, and it&#8217;s critical for you as a director\/officer to protect yourself and your assets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even though legal claims (in this context) are often made by employees, they can also be made by investors, regulators, shareholders, or any third parties. Thanks to this type of insurance, directors and officers can cover the defense costs for many of these cases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D&amp;O insurance often gets associated with broad management liability insurance. The latter covers liabilities for the entire corporation\/non-profit organization, including personal liabilities for directors and officers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a nationwide supplier of surety bonds, S Philips Insurance Services aims to provide the perfect solution to private companies, educational institutions, and non-profits looking to cover the costs incurred to defend these people.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep reading to learn more about this service and who it helps.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_accordion _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Who Does Directors&#8217; and Officers&#8217; Insurance Protect?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Directors&#8217; and officers&#8217; insurance covers three different groups of people. You may choose any of the three options depending on your needs.<\/p>\n<ul>\n<li>&#8220;Side A&#8221; insurance covers directors and officers who can&#8217;t (or won&#8217;t) pay for indemnification. This is often common in cases where employees sue a company alleging that it doesn&#8217;t want to pay them. In these cases, the company may not be able to pay because it declared bankruptcy, for example. Here, the individual is the one being insured, and their assets are compromised or at risk.<\/li>\n<li>&#8220;Side B&#8221; insurance is for covering the losses of directors and officers when they pay for indemnification. They&#8217;ll get reimbursed for all the legal costs they incurred. Unlike Side A insurance, Side B covers the company and its corporate assets.<\/li>\n<li>&#8220;Side C&#8221; (or &#8220;entity coverage&#8221;) covers the corporate entity. It typically protects companies listed on the stock exchange.<\/li>\n<\/ul>\n<p>You must consider how much coverage you&#8217;re looking for and what your D&amp;O risks within your company are before choosing one of the three options mentioned. If you&#8217;re having any issues protecting your corporate or personal assets, make sure to contact our team for guidance.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Do You Need Directors&#8217; and Officers&#8217; Insurance?&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]It depends on what you&#8217;re looking for within your company. However, you should always consider filling out a directors&#8217; and officers&#8217; insurance application if your company has key managers or directors. Not having any kind of insurance will increase your risks of defending yourself against different problems, including:<\/p>\n<ul>\n<li>Criminal prosecution<\/li>\n<li>Civil proceedings<\/li>\n<li>Disqualifications from the director&#8217;s position<\/li>\n<li>Alleged negligent misrepresentations<\/li>\n<\/ul>\n<p>Whether you have a small or big business, you should consider getting protection for such claims.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What Does D&#038;O Insurance Cover?&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p>Most of the time, these insuring agreements cover:<\/p>\n<ul>\n<li>Breach of fiduciary duty<\/li>\n<li>Failure to comply with regulations<\/li>\n<li>Creditor claims<\/li>\n<li>Reporting errors<\/li>\n<li>Lack of corporate governance<\/li>\n<li>And more<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What Are Some Common Directors&#8217; and Officers&#8217; Insurance Claims Examples?&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">There are different private and <\/span><span style=\"font-weight: 400;\">nonprofit directors&#8217; and officers&#8217; insurance claims examples<\/span><span style=\"font-weight: 400;\"> you can consider. Here&#8217;s a list of some common ones:<\/span><\/p>\n<p><b>Negligent Misrepresentation<\/b><span style=\"font-weight: 400;\">: An organization receives government funding to prepare an event, but the revenue it got was much lower than the expenses. In this case, the government can file a lawsuit and argue that the funds were not used as intended in the application.<\/span><\/p>\n<p><b>Stolen Corporate Secrets<\/b><span style=\"font-weight: 400;\">: A director\/officer shared a corporate secret with someone unrelated to the company. In this case, they could get sued for wrongfully taking an opportunity that belonged to the corporation.<\/span><\/p>\n<p><b>Credit Fraud<\/b><span style=\"font-weight: 400;\">: It can happen if a board of directors and officers gets sued because they allegedly used credit funds to cover expenses while the company was insolvent or planning to file for bankruptcy.<\/span><\/p>\n<p><b>Recruiting Executives<\/b><span style=\"font-weight: 400;\">: It can apply if a company tries to recruit an executive with an active contract with a competing business. Here, the competitor may try to sue the directors and officers of the first company for damages that came from losing that executive by breaching a contractual relationship.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other examples of D&amp;O claims include lack of transparency, letting down investors, insolvency, failure to increase death benefits, and more. Keep in mind that these cases may (or may not) apply depending on whether you&#8217;re managing a public\/private company or a non-profit organization.<\/span><\/p>\n<p><br style=\"font-weight: 400;\" \/><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How Much Does Directors&#8217; and Officers&#8217; Insurance for Non-Profit Organizations Cost?&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p>It depends on different factors like:<\/p>\n<ul>\n<li>Company size<\/li>\n<li>Risk appetite<\/li>\n<li>Industry<\/li>\n<li>Revenue<\/li>\n<li>Claims history<\/li>\n<li>Financial position<\/li>\n<\/ul>\n<p>On average, the cost of an insurance policy for a company could be approximately $1,240 per year. Feel free to request a quote with our team to get a more accurate estimate.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What Are the Most Common Board of Directors&#8217; Liability Insurance Limitations?&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p>Even though you may find different limitations or exclusions depending on the policy you get, there are a few &#8220;standard&#8221; exclusions in D&amp;O policies you must consider. These include:<\/p>\n<ul>\n<li>Wrongful termination or discrimination (as it&#8217;s often covered by Employment Practices Liability insurance)<\/li>\n<li>Punitive damages<\/li>\n<li>Deliberate fraud<\/li>\n<li>Deliberate criminal activity<\/li>\n<li>Breach of contract<\/li>\n<li>Personal injury<\/li>\n<li>Damage to another person&#8217;s property<\/li>\n<li>Defamation, slander, or libel<\/li>\n<li>Catastrophic events (terrorism, wars, natural disasters, etc.)<\/li>\n<li>Certain types of behavior<\/li>\n<li>Managers from the same business suing each other<\/li>\n<li>Antitrust exclusions<\/li>\n<li>Commissions exclusions<\/li>\n<\/ul>\n<p>If you were to get sued under multiple allegations, your policy would only pay for the ones that it covers.<\/p>\n<p>Generally speaking, D&amp;O insurance limits coverage to any mistakes made by directors or officers while working in an official capacity. Make sure to contact our team if you want to know specifically how your policy can help.<\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;About&#8221; module_id=&#8221;quick-quote&#8221; _builder_version=&#8221;3.8&#8243; custom_padding=&#8221;60px|0px|60px|0px|false|false&#8221; global_module=&#8221;120&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; custom_margin=&#8221;0px||0px||true&#8221; custom_padding=&#8221;0px||0px||true&#8221; use_custom_width=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.13.0&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; link_font=&#8221;||||||||&#8221; ul_font=&#8221;||||||||&#8221; ol_font=&#8221;||||||||&#8221; quote_font=&#8221;||||||||&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;||||||||&#8221; header_4_font=&#8221;||||||||&#8221; header_5_font=&#8221;||||||||&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;0px||20px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Get a Quick Quote TODAY<\/h2>\n<p>ALL ONLINE APPLICATIONS ARE SECURE<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Contact Form 7&#8243; _builder_version=&#8221;3.27.4&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f208-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"208\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/sphilipsins\/wp-json\/wp\/v2\/suretybonds\/1111#wpcf7-f208-o1\" method=\"post\" class=\"wpcf7-form init innerp-cf-step-1\" id=\"cf-step-1\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"208\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f208-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"step1\">\n\t<h3>Contact Information\n\t<\/h3>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"first_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"s1_first_name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/First Name*\" value=\"\" type=\"text\" name=\"first_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"last_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"s1_last_name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Last Name*\" value=\"\" type=\"text\" name=\"last_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" id=\"s1_phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Phone*\" value=\"\" type=\"tel\" name=\"Phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" id=\"s1_email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t<\/p>\n\t<p><strong>Are you an agent?*<\/strong><span class=\"wpcf7-form-control-wrap\" data-name=\"agent-radio\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><span class=\"wpcf7-list-item-label\">Yes<\/span><input type=\"radio\" name=\"agent-radio\" value=\"Yes\" \/><\/span><span class=\"wpcf7-list-item last\"><span class=\"wpcf7-list-item-label\">No<\/span><input type=\"radio\" name=\"agent-radio\" value=\"No\" \/><\/span><\/span><\/span>\n\t<\/p>\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"GET MY QUOTE NOW!\" \/><br \/>\n<small><em>Rest easy knowing that all of your information is transmitted securely using an EV SSL encryption.<\/em><\/small><br \/>\n<small><strong>* Required Fields<\/strong><\/small><br \/>\n\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Website Quote Form\" type=\"hidden\" name=\"lead-source\" \/>\n\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Step 1\" type=\"hidden\" name=\"website-step-completed\" \/>\n\t<\/p>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<div id=\"final-thanks\" class=\"thanks-step\">\n<div class=\"progress-bar\"><span class=\"step1-text\">Step 1<\/span><br \/><span class=\"step2-text\">Step 2<\/span><br \/><span class=\"submit-text\">Submit<\/span><\/div>\n<p class=\"success-msg\">Thank you for contacting us! We&#8217;ll contact you shortly.<\/p>\n<\/div>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f209-o2\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"209\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/sphilipsins\/wp-json\/wp\/v2\/suretybonds\/1111#wpcf7-f209-o2\" method=\"post\" class=\"wpcf7-form init innerp-cf-step-2\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"209\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f209-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"step1_data\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"first_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"s2_first_name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/First Name\" value=\"\" type=\"text\" name=\"first_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"last_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"s2_last_name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Last Name\" value=\"\" type=\"text\" name=\"last_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" id=\"s2_phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Phone\" value=\"\" type=\"tel\" name=\"Phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" id=\"s2_email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Email\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"step2 final_step\" id=\"wpcf7-step2\">\n\t<div class=\"progress-bar\">\n\t\t<p><span class=\"step1-text\">Step 1<\/span><br \/>\n<span class=\"step2-text\">Step 2<\/span><br \/>\n<span class=\"submit-text\">Submit<\/span>\n\t\t<\/p>\n\t<\/div>\n\t<h3>Insurance Information\n\t<\/h3>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"bond_amount\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Insurance Amount*\" value=\"\" type=\"text\" name=\"bond_amount\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"bond_type\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Insurance Type*\" value=\"\" type=\"text\" name=\"bond_type\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"bond_state\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"bond_state\"><option value=\"--SELECT AREA WHERE INSURANCE IS REQUIRED*--\">--SELECT AREA WHERE INSURANCE IS REQUIRED*--<\/option><option value=\"Canada\">Canada<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Alabama\">Alabama<\/option><option value=\"Alaska\">Alaska<\/option><option value=\"Arizona\">Arizona<\/option><option value=\"Arkansas\">Arkansas<\/option><option value=\"California\">California<\/option><option value=\"Colorado\">Colorado<\/option><option value=\"Connecticut\">Connecticut<\/option><option value=\"Delaware\">Delaware<\/option><option value=\"Florida\">Florida<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Hawaii\">Hawaii<\/option><option value=\"Idaho\">Idaho<\/option><option value=\"Illinois\">Illinois<\/option><option value=\"Indiana\">Indiana<\/option><option value=\"Iowa\">Iowa<\/option><option value=\"Kansas\">Kansas<\/option><option value=\"Kentucky\">Kentucky<\/option><option value=\"Louisiana\">Louisiana<\/option><option value=\"Maine\">Maine<\/option><option value=\"Maryland\">Maryland<\/option><option value=\"Massachusetts\">Massachusetts<\/option><option value=\"Michigan\">Michigan<\/option><option value=\"Minnesota\">Minnesota<\/option><option value=\"Mississippi\">Mississippi<\/option><option value=\"Missouri\">Missouri<\/option><option value=\"Montana\">Montana<\/option><option value=\"Nebraska\">Nebraska<\/option><option value=\"Nevada\">Nevada<\/option><option value=\"New Hampshire\">New Hampshire<\/option><option value=\"New Jersey\">New Jersey<\/option><option value=\"New Mexico\">New Mexico<\/option><option value=\"New York\">New York<\/option><option value=\"North Carolina\">North Carolina<\/option><option value=\"North Dakota\">North Dakota<\/option><option value=\"Ohio\">Ohio<\/option><option value=\"Oklahoma\">Oklahoma<\/option><option value=\"Oregon\">Oregon<\/option><option value=\"Pennsylvania\">Pennsylvania<\/option><option value=\"Rhode Island\">Rhode Island<\/option><option value=\"South Carolina\">South Carolina<\/option><option value=\"South Dakota\">South Dakota<\/option><option value=\"Tennessee\">Tennessee<\/option><option value=\"Texas\">Texas<\/option><option value=\"Utah\">Utah<\/option><option value=\"Vermont\">Vermont<\/option><option value=\"Virginia\">Virginia<\/option><option value=\"Washington\">Washington<\/option><option value=\"West Virginia\">West Virginia<\/option><option value=\"Wisconsin\">Wisconsin<\/option><option value=\"Wyoming\">Wyoming<\/option><\/select><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"company_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Company Name\/DBA\" value=\"\" type=\"text\" name=\"company_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"principal_phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Client\/Principal Phone\" value=\"\" type=\"tel\" name=\"principal_phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"principal_email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" aria-invalid=\"false\" placeholder=\"Client\/Principal Email\" value=\"\" type=\"email\" name=\"principal_email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"license_number\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Existing License Number (if applicable)\" value=\"\" type=\"text\" name=\"license_number\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"owners_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Owner&#039;s First &amp; Last Name\" value=\"\" type=\"text\" name=\"owners_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"ssn\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"SSN\" value=\"\" type=\"text\" name=\"ssn\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"address_1\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Address\" value=\"\" type=\"text\" name=\"address_1\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"address_2\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Address 2\" value=\"\" type=\"text\" name=\"address_2\" \/><\/span>\n\t<\/p>\n\t<p class=\"inline-address\"><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"city\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"City\" value=\"\" type=\"text\" name=\"city\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"state\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"state\"><option value=\"--SELECT--\">--SELECT--<\/option><option value=\"Canada\">Canada<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Alabama\">Alabama<\/option><option value=\"Alaska\">Alaska<\/option><option value=\"Arizona\">Arizona<\/option><option value=\"Arkansas\">Arkansas<\/option><option value=\"California\">California<\/option><option value=\"Colorado\">Colorado<\/option><option value=\"Connecticut\">Connecticut<\/option><option value=\"Delaware\">Delaware<\/option><option value=\"Florida\">Florida<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Hawaii\">Hawaii<\/option><option value=\"Idaho\">Idaho<\/option><option value=\"Illinois\">Illinois<\/option><option value=\"Indiana\">Indiana<\/option><option value=\"Iowa\">Iowa<\/option><option value=\"Kansas\">Kansas<\/option><option value=\"Kentucky\">Kentucky<\/option><option value=\"Louisiana\">Louisiana<\/option><option value=\"Maine\">Maine<\/option><option value=\"Maryland\">Maryland<\/option><option value=\"Massachusetts\">Massachusetts<\/option><option value=\"Michigan\">Michigan<\/option><option value=\"Minnesota\">Minnesota<\/option><option value=\"Mississippi\">Mississippi<\/option><option value=\"Missouri\">Missouri<\/option><option value=\"Montana\">Montana<\/option><option value=\"Nebraska\">Nebraska<\/option><option value=\"Nevada\">Nevada<\/option><option value=\"New Hampshire\">New Hampshire<\/option><option value=\"New Jersey\">New Jersey<\/option><option value=\"New Mexico\">New Mexico<\/option><option value=\"New York\">New York<\/option><option value=\"North Carolina\">North Carolina<\/option><option value=\"North Dakota\">North Dakota<\/option><option value=\"Ohio\">Ohio<\/option><option value=\"Oklahoma\">Oklahoma<\/option><option value=\"Oregon\">Oregon<\/option><option value=\"Pennsylvania\">Pennsylvania<\/option><option value=\"Rhode Island\">Rhode Island<\/option><option value=\"South Carolina\">South Carolina<\/option><option value=\"South Dakota\">South Dakota<\/option><option value=\"Tennessee\">Tennessee<\/option><option value=\"Texas\">Texas<\/option><option value=\"Utah\">Utah<\/option><option value=\"Vermont\">Vermont<\/option><option value=\"Virginia\">Virginia<\/option><option value=\"Washington\">Washington<\/option><option value=\"West Virginia\">West Virginia<\/option><option value=\"Wisconsin\">Wisconsin<\/option><option value=\"Wyoming\">Wyoming<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"zip_code\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Zip Code\" value=\"\" type=\"text\" name=\"zip_code\" \/><\/span>\n\t<\/p>\n\t<p>Are there any additional owners? <span class=\"wpcf7-form-control-wrap\" data-name=\"are_you_an_agent\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><label><input type=\"radio\" name=\"are_you_an_agent\" value=\"Yes\" \/><span class=\"wpcf7-list-item-label\">Yes<\/span><\/label><\/span><span class=\"wpcf7-list-item last\"><label><input type=\"radio\" name=\"are_you_an_agent\" value=\"No\" \/><span class=\"wpcf7-list-item-label\">No<\/span><\/label><\/span><\/span><\/span>\n\t<\/p>\n\t<p class=\"conditional_fields\"><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"agent_business_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Additional Owner&#039;s Name\" value=\"\" type=\"text\" name=\"agent_business_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"agent_phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Additional Owner&#039;s Address\" value=\"\" type=\"text\" name=\"agent_phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"contact_person\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Additional Owner&#039;s SSN\" value=\"\" type=\"text\" name=\"contact_person\" \/><\/span>\n\t<\/p>\n\t<p>Any prior claims? <span class=\"wpcf7-form-control-wrap\" data-name=\"any_prior_claims\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><label><input type=\"radio\" name=\"any_prior_claims\" value=\"Yes\" \/><span class=\"wpcf7-list-item-label\">Yes<\/span><\/label><\/span><span class=\"wpcf7-list-item last\"><label><input type=\"radio\" name=\"any_prior_claims\" value=\"No\" \/><span class=\"wpcf7-list-item-label\">No<\/span><\/label><\/span><\/span><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"prior_claim_desc\"><textarea 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