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When evaluating D&O insurance policies, consider the following crucial aspects:

• Coverage Limits: Ensure the policy provides adequate limits to cover potential claims. This is especially important if your company operates in a high-risk industry.
• Exclusions: Be aware of any exclusions that could leave gaps in coverage. Common exclusions include fraud and criminal acts.
• Claims History: Your company’s claims history can impact premium costs. A clean history may lead to lower rates.
• Policy Flexibility: Look for policies that offer flexibility to adapt coverage as your company grows or faces new risks.