How Important is D&O Insurance? Luxury...or Necessity?

How Important is D&O Insurance?
Every board knows how important it is to have adequate, up-to-date insurance coverage to protect their community from liability, disaster, and other expensive situations -- but what about board members themselves? Directors & Officers (D&O) coverage can protect board members from damages resulting from the decisions they make in the course of their duties. Find out whether D&O is just a nice thing to have -- or a necessity. 

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Must-Have, Or Luxury?