Directors and Officers insurance provides legal protection for defense costs and damages if a business decision results in a financial loss for someone else. Even if you are a volunteer member of a non profit board of directors you are personally liable for decisions made by the board. Personally liable means your assets, (home, auto, savings), are at risk in a lawsuit. Directors and Officers insurance is affordable and is a must have for anyone serving on a board of directors in any capacity. Speak to your broker to learn more.