Directors and Officers Liability Insurance

Protect your leadership team and organization from the financial consequences of claims involving management decisions, governance, and business oversight. F.I.C. brings insurance support, risk-management insight, and more than 35 years of financial consulting experience to help businesses evaluate Directors and Officers Liability Insurance options with greater clarity. Personalized guidance supports companies navigating complex risks across the United States.

Business leaders reviewing Directors and Officers Liability Insurance documents with an advisor

Our Directors and Officers Liability Insurance Services

Insurance guidance designed to help organizations understand leadership liability exposures, policy options, and risk-management considerations.

Coverage Evaluation

Review your organization’s leadership liability concerns, existing insurance arrangements, and coverage objectives to identify questions worth addressing before selecting or renewing a policy.

Policy Guidance

Receive personalized assistance understanding policy language, coverage structures, exclusions, and responsibilities so decision-makers can evaluate options with greater clarity.

Risk Management Support

Use F.I.C.’s broader financial and risk-management perspective to consider governance exposures, operational concerns, and practical safeguards for directors and officers.

Personalized Insurance Guidance

Make Leadership Liability Decisions With Confidence

Directors and Officers Liability Insurance can help address claims connected to decisions made by company leaders, but policy terms and exclusions require careful review. F.I.C. combines insurance support with accounting, business advisory, and risk-management experience to help organizations ask informed questions and consider coverage in context. Its multidisciplinary approach is suited to businesses navigating complex financial and operational landscapes across the United States.

Advisor explaining Directors and Officers Liability Insurance options to business executives
The F.I.C. Difference

Why Choose F.I.C.?

Bring broader financial insight to an important business insurance decision.

Deep Experience

More than 35 years of experience across accounting, insurance, financial consulting, and complex business situations.

Risk Perspective

Risk-management insight helps clients consider potential setbacks and long-term safeguards before problems arise.

One-Stop Support

Accounting, tax, insurance, retirement planning, and business consulting are available through one multidisciplinary organization.

Personalized Guidance

Customized solutions reflect each organization’s circumstances rather than relying on a one-size-fits-all approach.

Meet The F.I.C. Team

Experienced professionals support complex financial and insurance decisions.

Portrait of Al Beheary, CEO of Financial Innovations Consulting

Al Beheary

CEO

Al Beheary serves as CEO of Financial Innovations Consulting (F.I.C.), bringing entrepreneurial vision and deep expertise in international and inter-state government accounting to the firm. With a strong background in investment strategy, Al works closely with individuals and companies to organize their finances, align their investment portfolios, and achieve their long-term financial and retirement goals. His leadership has guided F.I.C. through over 35 years of growth, expanding the firm from its Chicago roots to a multi-office organization with an international presence in Ireland and Egypt. Al's commitment to empowering clients with knowledge and personalized financial solutions remains at the core of everything F.I.C. does.

Portrait of Siobhan Kieran, COO of Financial Innovations Consulting

Siobhan Kieran

COO

Siobhan Kieran serves as Chief Operating Officer of Financial Innovations Consulting (F.I.C.), bringing extensive experience working with both individuals and large multinational corporations. As a seasoned risk manager, Siobhan specializes in identifying potential financial setbacks and equipping clients with the foresight and long-term safeguards needed for personal and professional success. Her expertise spans strategic planning, operational oversight, and risk mitigation, making her an invaluable resource for clients navigating complex financial landscapes. Siobhan's client-centric approach and commitment to delivering proactive, comprehensive financial strategies reflect F.I.C.'s core values of transparency, integrity, and excellence.

Portrait of Mary Kay, Administration and New Business Specialist at Financial Innovations Consulting

Mary Kay

Administration/New Business Specialist

Mary Kay serves as Administration and New Business Specialist at Financial Innovations Consulting (F.I.C.), playing a key role in welcoming new clients and ensuring seamless onboarding experiences. With a detail-oriented and client-focused approach, Mary Kay helps individuals, families, and business owners navigate the first steps of their financial journey with F.I.C. Her organizational expertise and dedication to exceptional service contribute to the firm's reputation for personalized, responsive client care. As part of F.I.C.'s experienced administrative team, Mary Kay helps uphold the firm's commitment to clarity, transparency, and making every client feel supported from day one.

Portrait of Thomas Sandhof, Administration and Retention Specialist at Financial Innovations Consulting

Thomas Sandhof

Administration/Retention Specialist

Thomas Sandhof serves as Administration and Retention Specialist at Financial Innovations Consulting (F.I.C.), focusing on nurturing long-term client relationships and ensuring ongoing satisfaction with the firm's services. Thomas plays a vital role in maintaining the trust and loyalty of F.I.C.'s diverse client base, which spans individual taxpayers, small business owners, and large corporations. His dedication to client retention reflects F.I.C.'s core belief that lasting financial partnerships are built on consistent communication, reliability, and personalized attention. Thomas works to ensure that every client continues to receive the high-quality financial guidance and support they expect from F.I.C.

Portrait of Aine Breen, Administrative Assistant at Financial Innovations Consulting

Aine Breen

Administrative Assistant

Aine Breen serves as Administrative Assistant at Financial Innovations Consulting (F.I.C.), providing essential support that keeps the firm's daily operations running smoothly and efficiently. Her organizational skills and commitment to excellent service ensure that clients, colleagues, and partners receive timely, professional assistance across all of F.I.C.'s service areas. Aine's contributions help maintain the high standards of accuracy and responsiveness that F.I.C. is known for across its Chicago headquarters and beyond. Her dedication to supporting both the team and the clients she interacts with reflects the firm's client-centric values and commitment to operational excellence.

Portrait of Matt McDowell, Marketing Specialist at Financial Innovations Consulting

Matt McDowell

Marketing

Matt McDowell serves as Marketing Specialist at Financial Innovations Consulting (F.I.C.), responsible for communicating the firm's comprehensive range of financial services to clients across Chicago, the United States, and internationally. Matt plays a key role in building F.I.C.'s brand presence and helping individuals, families, and business owners understand how the firm's expertise can address their unique financial needs. His work supports F.I.C.'s mission to be a trusted, accessible financial partner for a diverse clientele. Through targeted marketing strategies, Matt helps connect those facing complex financial challenges with the expert guidance F.I.C. has provided for over 35 years.

Portrait of Sara Peterson, Insurance Assistant at Financial Innovations Consulting

Sara Peterson

Insurance Assistant

Sara Peterson serves as Insurance Assistant at Financial Innovations Consulting (F.I.C.), supporting the firm's comprehensive insurance services for individuals, families, and businesses. Sara assists clients in navigating insurance options, policy details, and coverage solutions, ensuring they have the protection and clarity they need to make confident decisions. Her role is integral to F.I.C.'s one-stop financial services model, which combines accounting, tax, retirement planning, and insurance under one roof. Sara's attentive, client-focused approach helps ensure that every insurance client receives accurate information and responsive support, reflecting F.I.C.'s commitment to excellence and transparency.

Portrait of Cara Kennedy, Irish Logistics Specialist at Financial Innovations Consulting

Cara Kennedy

Irish Logistics

Cara Kennedy serves as Irish Logistics Specialist at Financial Innovations Consulting (F.I.C.), managing the firm's operational coordination from its international office in Drogheda, County Louth, Ireland. Cara plays a critical role in supporting F.I.C.'s international service delivery, helping bridge the firm's Chicago-based operations with its European clientele and partners. Her expertise in cross-border logistics ensures that clients in Ireland and beyond receive the same high standard of financial service that F.I.C. is known for across the United States. Cara's work reflects F.I.C.'s commitment to providing seamless, globally connected financial solutions for an increasingly international client base.

Frequently Asked Questions

What is covered under directors and officers insurance?

Directors and Officers Liability Insurance generally addresses certain claims alleging wrongful acts, errors, omissions, or management decisions by directors and officers. Coverage can vary significantly by policy, including who is insured, which claims are included, applicable exclusions, defense provisions, and other conditions. A careful review is important because the exact protection depends on the policy wording and the organization’s circumstances.

Who typically needs Directors and Officers Liability Insurance?

Does Directors and Officers Liability Insurance protect the company itself?

What types of claims may involve directors and officers?

How can F.I.C. help with Directors and Officers Liability Insurance?

What factors affect Directors and Officers Liability Insurance options?

What should an organization review before buying or renewing this coverage?

Can Directors and Officers Liability Insurance address claims involving past decisions?

Still Have Insurance Questions?

Talk with F.I.C. about your organization’s coverage and risk-management concerns.

Discuss Your Liability Coverage Needs

Share your questions with F.I.C. and learn how insurance guidance can fit your broader financial strategy.

Contact Us Today

For immediate assistance, feel free to give us a direct call at (773) 202-9393. You can also send us a quick email at TAX@FICMN.COM.