Directors and Officers face management responsibility claims ranging from hiring and firing to sexual harassment and discrimination.

D&O also provides defense costs for officers of the company when a claim includes ownership and management in the cause.

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Errors and Omissions is also known as Professional Liability provides Defense Costs of a claim deriving from miscalculations, inaccurate data, wrongful analysis or other professional services performed by your company.

Lab testing of products most commonly utilizes E&O to protect from miscalculations causing approved products to be consumed.