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All companies, big or small, act through their officers who are their agents.  Those companies also have boards of directors who are ultimately responsible for the acts of the business.  When a company suffers a loss, there may be claims against its officers and directors individually for their alleged actions or inactions.  KVL defends directors and officers under insurance policies—often called “D&O policies”—against such claims, in circumstances that may involve very complex facts.

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