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There are myriad reasons for a company and its directors and officers to develop a trusted, multi-year business relationship with the D&O carriers on their insurance program. A strong relationship with a company's insurance carriers—especially the primary (first layer) insurance carrier—is particularly helpful.

The WCIRB has proposed several changes that will become effective on January 1, 2019, and will affect employers' Experience Modification Rating.

The D&O liability exposure for foreign filers as well as for foreign subsidiaries of US companies is more volatile than usual. Unsurprisingly, this volatility is causing some churn in the D&O insurance market.