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Directors & Officers Liability Insurance in South Carolina

Leaders in any organization face decisions that carry risk. Whether managing finances, setting strategy, or overseeing daily operations, directors and officers can be held personally liable for claims of mismanagement, breach of duty, or regulatory non-compliance. Directors & Officers (D&O) liability insurance helps protect the individuals serving in these roles, along with the organization itself.



Hutson-Etherredge Companies offers D&O liability coverage to South Carolina businesses, nonprofits, associations, and boards seeking protection for leadership teams from legal claims that may arise from their decisions.

What Does This Insurance Cover?

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Alleged mismanagement
Covers legal costs and damages tied to claims of misusing company funds, failing to follow bylaws, or poor decision-making.

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Breach of fiduciary duty
Protects directors and officers if they are accused of not acting in the best interests of shareholders, donors, or stakeholders.

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Employment-related claims
Extends coverage to allegations involving hiring decisions, promotions, or failure to act on workplace issues.

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Regulatory investigations
Covers defense costs in the event of an investigation by regulatory agencies related to board-level decisions.

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Personal liability protection
Applies to individuals serving on boards, helping shield their personal assets from exposure in a lawsuit.

Why You Need It

Helps protect board members and leadership

Without coverage, directors and officers may be held personally liable for decisions made in the course of their duties.

Required by many organizations and investors

Nonprofits, public companies, and private firms often need D&O coverage to meet governance standards or funding requirements.

Covers legal costs from internal or external claims

Whether a claim comes from within the organization or from outside parties, D&O insurance helps cover legal defense and settlement expenses.

Frequently Asked Questions

  • Is D&O insurance only for public companies?

    No. Private companies, nonprofits, and associations also face legal exposure and can benefit from D&O liability protection.









  • Does general liability insurance cover board members?

    Not typically. General liability policies don’t protect against the types of management decisions and fiduciary responsibilities covered by D&O insurance.









  • Who can file a D&O claim?

    Claims may come from employees, competitors, investors, donors, vendors, or government agencies—any party who feels harmed by board-level decisions.






Get a Quote for Directors & Officers Liability Insurance

Support your leadership team and protect your organization with insurance that helps reduce personal risk and financial impact. Contact Hutson-Etherredge Companies to learn more about D&O coverage.



Call us at  803-649-5141 or request a free quote online.