What other types of insurance should be considered for items not covered under the PCO policies?

A separate Directors and Officers policy should be considered for the following situations

• If the board feels that a $2,000,000 limit is insufficient
• If the board feels they have a Cyber or data breach exposure.
• If the Organization has any employees
• There is a need for legal guard (legal helpline) coverage

If significant assets are owned, appropriate property damage / loss insurance should be considered. Other exclusions under the PC policies include those related to: data, terrorism, asbestos, fungi, and, abuse, or molestation.