Bearstar Insurance understands the importance of protecting the personal assets of corporate directors and officers, as well as their spouses, in the event that they’re sued for alleged wrongful acts. That's why we offer Directors and Officers insurance in Irvine, Orange County, also referred to as “D&O” insurance. This type of insurance is payable to the directors and officers of a company, or to the organization(s) itself, as reimbursement for certain losses or advancement for defense costs.

D&O insurance is especially helpful in the event an insured suffers a loss due to legal action for alleged wrongful acts committed with their powers as directors and officers. It can provide protection against claims of mismanagement, breach of fiduciary duty, and other allegations related to the performance of their duties.

For Profit and Non-Profit Organizations

Our Directors and Officers Insurance coverage is designed to protect both for-profit and non-profit organizations. At its core, D&O liability insurance protects the personal assets of corporate directors and officers. This is essential in the event that they are sued by an employee, vendor, competitor, investor, customer, or another third party for alleged wrongful acts. It can also help to attract and retain top talent, as directors and officers are more likely to accept positions with companies that offer this type of protection.

If you hold a director or officer position and don’t have D&O insurance in place, now is the time to vet your options. At Bearstar Insurance, we can help you find the right policy that suits your needs and provides the coverage you require. Our team of experienced insurance professionals will work with you to identify your risks and tailor a policy that provides the right level of protection.

Don't leave your personal assets exposed to the risks associated with legal action related to your duties as a director or officer. Contact us now!

D&O Coverage Types

The typical D&O insurance policy for privately-held businesses will include three types of coverage:

A-Side Coverage

A-side coverage protects directors, officers, and sometimes employees for defense costs, settlement fees, or judgements.

B-Side Coverage

B-side coverage protects the company for directors’, officers’, and employees’ losses when the company does not indemnify them. 

C-Side Coverage

C-side coverage, or “entity coverage,” financially protects the corporation in its own right and may reduce insurance limits for directors and officers.

BearStar Insurance:

We’ll Bring You Back From Alleged Wrongful Acts


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They have always been responsive to our needs, whether it's adding a driver to our auto insurance, finding discounts to help us keep our premiums reasonable, bundling our auto and homeowner's, etc. They returns calls and emails quickly and knows their stuff. When we bought an RV on a holiday weekend we were able to get them on the phone and arrange for the required insurance before we drove off the dealer's lot. Excellent customer service!
Natalie T.
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Gino is a great agent. He's taken the time to help me adjust my policy when I moved and needed additional coverage. He came back with the right answers within hours. I trust him.
Jon C.
I am thankful for the fine service that Gino and the firm has provided for me and my family. We have been customers for years now and he has never wavered as a source of support and information.
Jose C.
I've appreciated my dealings with your office for a long time.
Lawrence E.
I have been with Bearstar for seven years and never once had any problems. They always responded quickly and answered any questions I've had. They always advised me on what is the best coverages for my situation. I highly recommend Bearstar
J. R.
Excellent service and competitive rates I use them for all of my family’s insurance needs. I would highly recommend them.
Lloyd K.
I have been a client for years. I get personal service for the same rates I would get from the budget insurance companies out there where I would deal with a different person every time.
Kristian S.
They handle all of my insurance needs. They respond quickly and make sure I have the right coverages in place. With them business insurance is one less thing I have to worry about, allowing me to focus on running my business
Fairmont Flooring
Always there for us. A fantastic business partner. Highly recommended!
Junk King of Orange County
They take care of all of my business insurance needs. They stay on top of questions, renewals and certificates all issues immediately. I couldn't recommend them any higher - the best!
M Scott
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