D&O Master Platform - Professional System
Select any provision from the left sidebar to view complete language and analysis.
Policy Builder
Coverage Structure
Compare Up to 5 Policies
Tower Structure Design
PRIMARY ABC
Limit: $10,000,000
Retention: $1,000,000
Defense: Outside Limits
EXTRA $1M NON-INDEMNIFIABLE
Drops down below primary
No retention when triggered
DIC LAYER 1
Limit: $15M xs $25M
Drops to $0 retention
DIC LAYER 2
Limit: $10M xs $40M
Follows DIC 1
Coverage Gap Analysis
Critical Gaps Identified
- Gap between $25M-$40M for ABC coverage
- Side A erosion risk if not properly structured
- Defense inside limits on excess layers
- No derivative demand cost coverage
- Counsel rate caps below market
Negotiation Scripts
Defense Inside Limits Pushback
Carrier Says: "Defense inside limits is our standard."
Your Response:
"Securities defense averages $8M in year one, $15M total. With $10M limits inside, we're underwater before settlement. Every peer has defense outside on primary. This is non-negotiable."
IvI Carvebacks
Carrier Says: "We can only offer 7 carvebacks."
Your Response:
"Seven carvebacks eliminates most D&O claims. Employment practices alone is 35% of claims. We need minimum 10, ideally all 14. AIG offers 13, Chubb offers 12. Match or we walk."
Policy Score
| Category | Score | Max |
|---|---|---|
| Deal Breakers | 0 | 240 |
| IvI Carvebacks | 0 | 90 |
| Defense Treatment | 0 | 90 |