{"id":2418,"date":"2022-03-01T12:40:00","date_gmt":"2022-03-01T07:10:00","guid":{"rendered":"https:\/\/www.plancover.com\/insurance\/?p=2418"},"modified":"2022-04-13T14:12:27","modified_gmt":"2022-04-13T08:42:27","slug":"clauses-in-directors-and-officers-insurance","status":"publish","type":"post","link":"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/","title":{"rendered":"Important Clauses in Directors and Officers Insurance in India"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a1c38ff18dbc\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a1c38ff18dbc\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#Some_important_clauses_of_D_O_Insurance_Policy_and_their_meanings\" title=\"Some important clauses of D&amp;O Insurance Policy and their meanings&nbsp;\">Some important clauses of D&amp;O Insurance Policy and their meanings&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#What_is_the_precise_meaning_of_D_O_Insurance\" title=\"What is the precise meaning of D&amp;O Insurance?\">What is the precise meaning of D&amp;O Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#The_various_major_clauses\" title=\"The various major clauses\">The various major clauses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#A_simple_example_where_a_major_clause_comes_into_action\" title=\"A simple example where a major clause comes into action\">A simple example where a major clause comes into action<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#The_policy_document_mentions_the_clauses\" title=\"The policy document mentions the clauses\">The policy document mentions the clauses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#The_clauses_tell_about_the_applicability_of_the_insurance\" title=\"The clauses tell about the applicability of the insurance\">The clauses tell about the applicability of the insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#Each_clause_has_its_sub-clause\" title=\"Each clause has its sub-clause\">Each clause has its sub-clause<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#The_clauses_fall_under_the_regulatory_framework\" title=\"The clauses fall under the regulatory framework\">The clauses fall under the regulatory framework<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#The_clauses_help_in_corporate_risk_management\" title=\"The clauses help in corporate risk management\">The clauses help in corporate risk management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#It_is_better_to_know_the_fundamental_terms\" title=\"It is better to know the fundamental terms\">It is better to know the fundamental terms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#You_can_hire_an_expert_to_explain_the_policy\" title=\"You can hire an expert to explain the policy&nbsp;\">You can hire an expert to explain the policy&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#Check_out_the_scenarios_where_the_clauses_are_applicable\" title=\"Check out the scenarios where the clauses are applicable\">Check out the scenarios where the clauses are applicable<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#Ask_questions_about_the_clauses_to_the_insurer\" title=\"Ask questions about the clauses to the insurer\">Ask questions about the clauses to the insurer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#Allocation_clause\" title=\"Allocation clause\">Allocation clause<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#The_simple_meaning_of_allocation_clause\" title=\"The simple meaning of allocation clause\">The simple meaning of allocation clause<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#There_can_be_mentioning_of_different_lossescosts\" title=\"There can be mentioning of different losses\/costs\">There can be mentioning of different losses\/costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#You_can_negotiate_with_the_insurer\" title=\"You can negotiate with the insurer\">You can negotiate with the insurer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#The_amount_is_well-defined_as_per_the_allocation_clause\" title=\"The amount is well-defined as per the allocation clause\">The amount is well-defined as per the allocation clause<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#Hammer_clause\" title=\"Hammer clause\">Hammer clause<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#The_simple_meaning_of_Hammer_Clause\" title=\"The simple meaning of Hammer Clause\">The simple meaning of Hammer Clause<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#There_is_a_cap_on_indemnification\" title=\"There is a cap on indemnification\">There is a cap on indemnification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#Deciding_on_the_indemnification_amount\" title=\"Deciding on the indemnification amount\">Deciding on the indemnification amount<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.plancover.com\/insurance\/clauses-in-directors-and-officers-insurance\/#Know_more_about_the_clauses_from_a_top_broker\" title=\"Know more about the clauses from a top broker\">Know more about the clauses from a top broker<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"some-important-clauses-of-d-o-insurance-policy-and-their-meanings\"><span class=\"ez-toc-section\" id=\"Some_important_clauses_of_D_O_Insurance_Policy_and_their_meanings\"><\/span><strong>Some important clauses of D&amp;O Insurance Policy and their meanings&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When you explore various corporate insurance policies, it is very important to know its clauses. Until and unless you are aware of the clauses of the policy, it will be a gross mistake to buy it or recommend it to a company. A D&amp;O insurance policy has certain broad clauses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-the-precise-meaning-of-d-o-insurance\"><span class=\"ez-toc-section\" id=\"What_is_the_precise_meaning_of_D_O_Insurance\"><\/span><strong>What is the precise meaning of D&amp;O Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There can be claims against the directors and seniors officers of a registered company, alleging them negligence of duty, beach, spreading misinformation, manipulating data, etc, in their defined managerial capacity. The D&amp;O Insurance Policy provides protection to the directors and officers for these claims.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-various-major-clauses\"><span class=\"ez-toc-section\" id=\"The_various_major_clauses\"><\/span><strong>The various major clauses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The D&amp;O insurance has some well-defined clauses, and some of the major clauses are:<\/p>\n\n\n\n<ul><li>The Allocation Clause: Both the insurer and the insured will mutually agree about the amount of coverage allocated, specific to applicable cases.&nbsp;<\/li><li>The Hammer Clause: The insurer is bound to settle the claims, within the regulatory framework.&nbsp;<\/li><li>The Severability Clause: It mentions about the extent of coverage for a director\/officer that will be nullified on premises of false information.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"a-simple-example-where-a-major-clause-comes-into-action\"><span class=\"ez-toc-section\" id=\"A_simple_example_where_a_major_clause_comes_into_action\"><\/span><strong>A simple example where a major clause comes into action<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Suppose one of the directors enters false information about his assets while filling the details at the time of buying the D&amp;O policy. When the insurer finds the anomaly, it has the right to use the Severability Clause and drastically cutting the limit of coverage for the particular director, depending on the applicability of the insurance and other terms and conditions.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-policy-document-mentions-the-clauses\"><span class=\"ez-toc-section\" id=\"The_policy_document_mentions_the_clauses\"><\/span><strong>The policy document mentions the clauses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The policy document of the insurance clearly mentions the clauses. So, you need to go through the details by thoroughly reading the various sections of the document. Do not skip any section or even any point. Each bit of information is valuable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-clauses-tell-about-the-applicability-of-the-insurance\"><span class=\"ez-toc-section\" id=\"The_clauses_tell_about_the_applicability_of_the_insurance\"><\/span><strong>The clauses tell about the applicability of the insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you want to understand the applicability of the insurance, then you need to understand the clauses of the policy. The clauses are like guidelines that modulate the applicability of the policy in an organized and professional manner.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"each-clause-has-its-sub-clause\"><span class=\"ez-toc-section\" id=\"Each_clause_has_its_sub-clause\"><\/span><strong>Each clause has its sub-clause<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Each clause of the insurance policy has unique features. The features of the clause are discussed in the sub-clauses. It is essential to read them. When you go through the sub-clauses, it becomes easier to understand the overall dynamics of the clauses related to the D&amp;O policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-clauses-fall-under-the-regulatory-framework\"><span class=\"ez-toc-section\" id=\"The_clauses_fall_under_the_regulatory_framework\"><\/span><strong>The clauses fall under the regulatory framework<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is good to keep in mind that the clauses mentioned in the policy document of the D&amp;O insurance fall within the regulatory framework. It is mandatory for any insurer to clearly mention the details of the clauses in the policy document.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-clauses-help-in-corporate-risk-management\"><span class=\"ez-toc-section\" id=\"The_clauses_help_in_corporate_risk_management\"><\/span><strong>The clauses help in corporate risk management<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you operate in a corporate environment, you need to consider certain risks. The clauses are excellent tools that can help in optimizing the strategies to manage the associated risk of running business operations in a competitive atmosphere. The clauses enrich the policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"it-is-better-to-know-the-fundamental-terms\"><span class=\"ez-toc-section\" id=\"It_is_better_to_know_the_fundamental_terms\"><\/span><strong>It is better to know the fundamental terms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you have a priority to understand the clauses of the policy, it is always better to know the basic terms associated to the working of the clauses. If you are aware of the meanings of a bunch of insurance terms, it becomes more convenient to purchase the policy or recommend it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"you-can-hire-an-expert-to-explain-the-policy\"><span class=\"ez-toc-section\" id=\"You_can_hire_an_expert_to_explain_the_policy\"><\/span><strong>You can hire an expert to explain the policy&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There is no harm in hiring an experienced professional or service provider to explain the different clauses of the insurance policy in a clear language. It helps in understanding the scope of the policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"check-out-the-scenarios-where-the-clauses-are-applicable\"><span class=\"ez-toc-section\" id=\"Check_out_the_scenarios_where_the_clauses_are_applicable\"><\/span><strong>Check out the scenarios where the clauses are applicable<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You should check out the cases or situations when the clauses of the policy are applicable. There are numerous such cases. Again, the policy document clearly tells about the cases. Take your time to read the document.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ask-questions-about-the-clauses-to-the-insurer\"><span class=\"ez-toc-section\" id=\"Ask_questions_about_the_clauses_to_the_insurer\"><\/span><strong>Ask questions about the clauses to the insurer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You must ask relevant questions to the insurer about the different aspects of the clauses before deciding to purchase or recommend the D&amp;O insurance policy to a business. The details you get from the responses will help you to buy the policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"allocation-clause\"><span class=\"ez-toc-section\" id=\"Allocation_clause\"><\/span><strong>Allocation clause<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>One of the major clauses included in the D&amp;O insurance is the allocation clause. Any D&amp;O insurance policy mandatorily has the clause. It is an integral part of the insurance. The clause has specific applicability in covering the legal expenses on behalf of the client if such a situation arises.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-simple-meaning-of-allocation-clause\"><span class=\"ez-toc-section\" id=\"The_simple_meaning_of_allocation_clause\"><\/span><strong>The simple meaning of allocation clause<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The allocation clause of a D&amp;O insurance policy simply means that an insurer is liable to indemnify a business only for the amount that has been clearly mentioned in the policy. It does not pay anything more than what the policy mentions.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"there-can-be-mentioning-of-different-losses-costs\"><span class=\"ez-toc-section\" id=\"There_can_be_mentioning_of_different_lossescosts\"><\/span><strong>There can be mentioning of different losses\/costs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The insurance policy can mention a wide range of losses\/expenses. The insurer, accordingly, assesses the applicability of the clause. When it notes the suitability of covering the expenses mentioned in the policy document, it tries to consider it, discussing the financial aspects with the insured.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"you-can-negotiate-with-the-insurer\"><span class=\"ez-toc-section\" id=\"You_can_negotiate_with_the_insurer\"><\/span><strong>You can negotiate with the insurer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There is a scope to negotiate with the insurer as an insured business. It is possible to take into account the costs you have to bear to cover the costs of the lawsuit mentioned in the policy document. The allocation clause gives the insured flexibility to discuss the matter with the insurer.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-amount-is-well-defined-as-per-the-allocation-clause\"><span class=\"ez-toc-section\" id=\"The_amount_is_well-defined_as_per_the_allocation_clause\"><\/span><strong>The amount is well-defined as per the allocation clause<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>According to the allocation clause, the insurance amount is well-defined in the policy document of D&amp;O insurance. There is no trace of confusion anywhere. Both parties have full knowledge of the amount.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"hammer-clause\"><span class=\"ez-toc-section\" id=\"Hammer_clause\"><\/span><strong>Hammer clause<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Hammer clause is yet another extremely vital clause integral to the D&amp;O insurance policy. It has its merit, in cases of unique applicability. The document of the policy mentions the details of its functional features. You can ask the insurer about its features before purchasing the policy.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-simple-meaning-of-hammer-clause\"><span class=\"ez-toc-section\" id=\"The_simple_meaning_of_Hammer_Clause\"><\/span><strong>The simple meaning of Hammer Clause<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is not difficult to understand the meaning of the Hammer Clause of D&amp;O Insurance Policy. The particular clause provides full assurance of the settlement of claims, favoring the insurer. In other words, the insurer has to compulsorily pay for the claims, according to the policy\u2019s Hammer Clause.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"there-is-a-cap-on-indemnification\"><span class=\"ez-toc-section\" id=\"There_is_a_cap_on_indemnification\"><\/span><strong>There is a cap on indemnification<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Hammer Clause also places a cap on the insurance amount. The details are mentioned in the policy document of the insurance. Each party has to agree with the limit of indemnification with the regulatory framework of the D&amp;O insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"deciding-on-the-indemnification-amount\"><span class=\"ez-toc-section\" id=\"Deciding_on_the_indemnification_amount\"><\/span><strong>Deciding on the indemnification amount<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are cases when the insured and the insurer discuss about the suitable indemnification amount. Various sides of the case are considered before reaching a conclusion. Interests of both parties are taken into account. The details of the policy have the information about the indemnification amount.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"know-more-about-the-clauses-from-a-top-broker\"><span class=\"ez-toc-section\" id=\"Know_more_about_the_clauses_from_a_top_broker\"><\/span><strong>Know more about the clauses from a top broker<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>PlanCover<\/strong> is a top-rated insurance broker that can help you in understanding the various clauses of the D&amp;O insurance in more details. It mainly operates in the Indian market, serving a wide range of Indian businesses in various domains. It gives you valuable information.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Some important clauses of D&amp;O Insurance Policy and their meanings&nbsp; When you explore various corporate insurance policies, it is very important to know its clauses. Until and unless you are&#8230;<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cybocfi_hide_featured_image":"","footnotes":""},"categories":[37],"tags":[],"_links":{"self":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/2418"}],"collection":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/comments?post=2418"}],"version-history":[{"count":2,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/2418\/revisions"}],"predecessor-version":[{"id":2762,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/posts\/2418\/revisions\/2762"}],"wp:attachment":[{"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/media?parent=2418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/categories?post=2418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.plancover.com\/insurance\/wp-json\/wp\/v2\/tags?post=2418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}