In relation to DOT (Directors, Officers, Trustees) Liability Insurance, HUNTERS offers an independent evaluation and practical explanation of:

1. Your limits compared to peer groups by industry, exchange and assets – including commentary for each one
2. Corporate structure against “Named Insured” provisions to examine exactly which boards are covered and which individuals
3. Current ownership and related director/officer/trustee(s) against policy terms and conditions i.e. insured vs. insured exclusions, majority shareholder exclusions, wrongful dismissal
4. Policy structure against a hypothetical case study involving the company itself and individual directors i.e. what claims get paid first, how are defence costs apportioned, who chooses counsel
5. Severability terms against a hypothetical case study involving one officer’s knowledge vis a vis disclosure and another involving a criminal signing the application
6. Warranties your board made via the application process
7. Cancellation and rescinding provisions as they relate to change in control and misrepresentation
8. Other policy terms and conditions that could impact your destiny depending on your business - ranging from international policy reaction to an “uncovered” products recall situation
9. Your current insurer(s) – financial condition, history, where decisions are domiciled and who makes them. Other insurers – have they ever looked at your account? If they declined in the past – why?
10. Your risk transfer costs and self insured retentions compared to peer groups by industry, exchange and assets - including commentary for each one

We will make recommendations for change if you include this in our mandate and only if necessary.

Numbers 1-10 – impact YOU personally
Numbers 1-10 – impact the health of the organization you steward