Best Side-A DIC Insurance Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Side-A DIC Insurance Firms in USA
Published: December 27, 2025 | Updated: December 28, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Claims Services by AIG scored highest due to Large public or private companies seeking robust Side A DIC protection with consistent drop-down coverage across their D&O tower and advanced enhancements for investigations, fines, and counsel choice..
Content Verification
Side-by-Side Comparison
| Feature | #1 Claims Services (AIG) | #2 Personal Insurance for Individuals & Families (Chubb) | #3 Claims Services (Berkshire Hathaway Specialty Insurance (BHSI)) | #4 Insurance (AXA XL) | #5 Insurance Products (Beazley) |
|---|---|---|---|---|---|
| Best For | Large public or private companies seeking robust Side A DIC protection with consistent drop-down coverage across their D&O tower and advanced enhancements for investigations, fines, and counsel choice. | Enterprises prioritizing personal asset protection for directors and officers, including in bankruptcy, with a non-cancelable Side A Excess DIC policy and broad drop-down triggers and definitions. | Organizations wanting an ultra-clear Side A DIC form supported by A++/AA+ financial strength, double limit reinstatements, and most-favorable underlying terms for complex, high-severity D&O exposures. | Global or U.S.-based companies seeking flexible Side A and Excess Side A DIC options with strong claims support and risk consulting, to complement primary D&O placements across multinational structures. | Companies needing non-rescindable Side A DIC with automatic limit reinstatements, enhanced inquiry coverage, and optional independent director excess, including multinationals scheduling DIC coverage for specified countries. |
| Coverage Breadth | Global claims reach: 5, 500+ claims professionals and 150+ claims offices in 45+ countries/jurisdictions, with local-currency payments and foreign transfers. Multinational programs supported with local coverage in 200+ countries/jurisdictions via AIG operations and partners. (aig.com) | Broad personal coverages: home (homeowners, condos, renters), auto and classic cars, valuables (jewelry, art, wine, collections), boats and yachts, personal liability, flood, natural-disaster protections, cyber, pet insurance (via Healthy Paws), travel insurance, plus bespoke services and risk management support. (chubb.com) | Global claims support across North America, Europe, Asia Middle East, and Australasia with country-specific reporting and contacts. Coverage includes Executive & Professional (D&O/EPLI), Property, Casualty, Healthcare, Surety, Ocean Marine, Employer Stop Loss, Travel, Transactional Liability, and Berxi. (bhspecialty.com) | Very broad coverage: 20+ product lines spanning property, casualty, professional/financial (incl. D&O Side‑A DIC), environmental, marine/aviation/art, PRCB and more; primary and excess options; multinational programs delivering compliant coverage in 200+ countries/territories; expanding cyber solutions and services. (axaxl.com) | Broad, non-rescindable Side A protection for non‑indemnifiable claims, including derivative suits, regulatory proceedings and bankruptcy-related actions; broad investigation/inquiry coverage; automatic limit reinstatement twice; optional independent director excess; removes ERISA, insured‑vs‑insured, pollution, bodily injury, prior notice/prior acts of subsidiaries exclusions; DIC across scheduled countries; limits to $25M. (beazley.com) |
| Financial Strength | AIG’s core non-life insurance subsidiaries are rated: S&P AA- (Stable), Moody’s A1 (Stable), Fitch AA- (Stable), and AM Best A (Positive). Last updated Nov 24, 2025. (aig.com) | AM Best Financial Strength Rating: A++ (Superior), stable outlook, for Chubb’s core operating insurers. S&P Insurer Financial Strength: AA. (businesswire.com) | Backed by A++ (AM Best) and AA+ (S&P) insurer financial strength ratings via Berkshire Hathaway’s National Indemnity group. (bhspecialty.com) As of June 30, 2025, the group had $457.7B in admitted assets and $293.6B policyholder surplus. (bhspecialty.com) BHSI’s solvency ratio was 1037% as of Dec 31, 2024. (bhspecialty.com) | AM Best: A+ (Stable); S&P: AA- (Positive) for core AXA XL operating insurers. Moody’s: Aa2 (Stable) for XL Bermuda Ltd. Last rating action: September 16, 2025. (axaxl.com) | AM Best: A+ (Superior) for Beazley-managed Lloyd’s syndicates; A (Excellent) for Beazley Insurance Company/Beazley America/BIDAC/BESI, all Stable. S&P: AA− (Lloyd’s market). Fitch: AA− (Lloyd’s market); A+ FS (BIDAC). Ratings affirmed Aug 1, 2025. (businesswire.com) |
| Policy Flexibility | Side A DIC offers flexible “drop‑down” coverage whenever indemnification or underlying insurance fails (for any reason), advances loss if other insurance doesn’t pay, permits broad choice of counsel with no panel, and applies limited exclusions with broad insured capacity/definition of loss. (aig.com) | Flexible, tailored coverage: worldwide valuable-articles protection with flexible options; homeowners cash-settlement if you don’t rebuild; umbrella limits selectable from $1M, $100M; optional add-ons like GreenWise (choose 10, 100% limits) and Equipment Breakdown tiers allow customization. (chubb.com) | Collaborative, flexible claims handling: BHSI can issue advance payments, creatively mitigate losses, and jointly set claim strategies. Multiple reporting options (email, 24/7 phone, mail; online for marine/travel/Berxi) and preferred counsel lists (D&O, EPLI) allow tailored handling. (bhspecialty.com) | Flexible approach to policy construction; customizable coverage including Primary, Excess, Broad Side‑A DIC and Excess Side‑A DIC. (axaxl.com) Can tailor multinational programs, advising on local admitted vs non‑admitted (e.g., Freedom of Service or Financial Interest) coverage, and customize terms across 208+ territories. (axaxl.com) | Non-rescindable Side A policy with two automatic limit reinstatements; optional additional excess limit for independent directors; DIC coverage for scheduled countries; broad inquiry coverage. (beazley.com) Beazley Bridge endorsement can attach to Armour, allowing primary drop-down or excess placements and options for shared, sub- or separate limits to tailor programs. (beazley.com) |
AIGCompany Information
American International Group, Inc. (AIG) is a leading global property and casualty insurer. AIG operates in over 190 countries and jurisdictions offering an array of comprehensive risk and insurance services.
Keywords
Description
AIG provides insurance solutions that help businesses and individuals in more than 200 countries and jurisdictions protect their assets and manage risks through AIG operations, licenses and authorizations as well as network partners.
What They Do
AIG offers a comprehensive range of insurance products and services to manage risks for both individuals and businesses.
Who They Serve
AIG serves clients globally, including individuals and businesses in more than 200 countries and jurisdictions.
Key Value Propositions
Target Customers
Industries Served
Key Pages
Summary
AIG’s Directors & Officers Side A Statement provides standalone Side A DIC protection for non-indemnifiable claims. It features drop-down enhancements when indemnification or other insurance fails and broad choice of counsel.
Key Features
- Specialist adjusters and experienced decision makers
- Global network of claims experts
- Assignment of claims to the right expert for efficient resolution
- Dedicated claims teams for each risk solution
- Lifecycle support: notification, assignment, processing, resolution
- Support for direct discussions, negotiations, or legal proceedings
- Online portals for claims reporting and management
- Access to claims data from 100+ countries via IntelliRisk
Key Benefits
- Specialized claims professionals by line of business and product
- Dedicated claims teams for each risk solution
- Global reach and coordination across underwriting, clients, brokers, and claims
- Proactive partnership to identify and manage emerging risks
- Responsive, fair, and professional service
- Open and regular communication throughout the claim lifecycle
Who Is It For
- Individuals
- Businesses
- Brokers & Agents
- Risk Managers
- Policyholders in the U.S.
- Employers and employees (for Dental, Group Life, and AD&D claims)
- Clients and brokers with multinational programs
There for you before, during and after the claim
AIG's claims team partners with clients globally to handle claims with efficiency and empathy, offering unmatched service and proactive risk management.
The AIG Claims Advantage
- Claims Specialization: Specialized expertise by line of business and product.
- Customer Focused: Partnership with clients and brokers, delivering differentiated service and technical excellence.
- Global Reach: Support for clients around the world, coordinating across underwriting, clients, brokers, and claims.
Report a Claim
Each risk solution has a dedicated claims team. The process starts by clicking the button to get the appropriate contact information or next steps.
What to expect when you file a claim
AIG delivers responsive, fair, and professional service for every claim, maintaining open and regular communication throughout the claim lifecycle.
- Notification: Contact your local AIG office or broker to start the process.
- Assignment: Claim is assigned to a handler with matching skills and experience.
- Processing: Details are reviewed and relevant contacts established.
- Resolution: Support through direct discussions, negotiations, or legal proceedings.
See our Global Claims Capabilities
Meet the global claims leadership team and see how AIG can meet claims needs anywhere in the world.
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Detailed Comparison
Coverage Breadth
Financial Strength
Policy Flexibility
Personal Insurance for Individuals & Families
ChubbCompany Information
Chubb is a global insurance company providing a range of insurance products for individuals, families, and businesses in the Benelux region. They offer various insurance solutions, including liability, property, cyber, and life sciences, as well as exclusive car insurance and masterpiece insurance for individuals.
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Description
At Chubb, we deliver excellence in all we do, being there when you need us most. We provide exceptional service to our customers and business partners—it's who we are.
What They Do
Chubb provides insurance solutions for individuals, families, and businesses, including property, auto, travel, and embedded insurance.
Who They Serve
Individuals, families, businesses, agents, and brokers.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Chubb’s CODA Premier is a Side A Excess DIC policy designed to protect individual directors and officers when corporate indemnification or primary D&O fails. It’s non-cancelable (except for nonpayment) and includes robust bankruptcy protections.
Key Features
- Personalized risk assessment
- Tailored insurance solutions
- Industry specialist support
- Comprehensive claims support
- Access to a network of independent insurance agents
- Award-winning claims satisfaction
Key Benefits
- Proactive risk management guidance
- Customized insurance coverage
- Exceptional claims service
- Access to experienced risk consultants and collection specialists
- Fast claims payment (within 48 hours of approval)
- 24/7 claims service
- Coverage for a wide range of personal risks
Who Is It For
- Individuals
- Families
- Successful families and individuals in the U.S.
- Clients seeking premium, tailored insurance protection
Personal insurance for a life well-built
Chubb provides proactive risk management guidance, insurance coverage tailored to your needs and exceptional claims service. You’ll work with industry specialists who are responsive, knowledgeable and truly care about helping protect what you value most.
Products and services to cover what matters most
The personal risk landscape is evolving rapidly and no two clients are alike. We carefully assess your individual risk exposures to provide customized personal insurance coverages to help prevent loss — and cover it if it occurs.
- Home
- Valuables
- Flood
- Boats & Yachts
- Auto
- Liability
- Natural Disasters
- Cyber Insurance
- Pet Insurance
- Bespoke Services
- Travel Insurance
Chubb client services help proactively protect you
As a personal insurance client, you’ll have access to an array of risk management benefits and professionals including experienced risk consultants, collection specialists and custom solutions for your unique protection needs.
Client Testimonials
Real stories from Chubb clients highlighting the value of coverage, care, and trusted relationships with Chubb agents.
- "I knew they were on it." - Jessica D., Pittsburgh, PA
- "He's not just an agent. We're friends." - Alfred L., Seattle, WA
- "I immediately got a check." - Scott K., Dallas, TX
Why Chubb
As a world-class insurance leader, Chubb has served clients for more than 200 years. Longevity, expertise, financial strength and outstanding claims service are the backbone of the business and why successful individuals and families trust Chubb.
- #1 personal insurer of successful families and individuals in the U.S.
- 54 countries and territories where claims teams operate
- 48 hours maximum until payment is issued after claims approval
- 24/7 claims service
Important Notices
Special notices for Florida and Oregon residents regarding eligibility and mitigation efforts. For Oregon homeowner's insurance consumers, eligibility for coverage may be improved if the residence has a roof constructed by a material other than wood and also has a wildfire score between 10-23.
- Special Notice for Florida residents
- Special Notice for Oregon residents
Get a personal insurance quote
Work with an independent insurance agent who can provide a comprehensive risk assessment and personalized insurance solutions tailored to your needs.
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Detailed Comparison
Coverage Breadth
Financial Strength
Policy Flexibility
Claims Services
Berkshire Hathaway Specialty Insurance (BHSI)Company Information
Berkshire Hathaway Specialty Insurance is a global specialty insurance provider, offering a range of insurance products and services to customers worldwide. With a strong financial foundation and a proven track record of risk management, the company provides tailored solutions for businesses and individuals across various industries.
Keywords
Description
Berkshire Hathaway Specialty Insurance (BHSI) is a global insurance company that offers a broad range of insurance products and services across multiple lines, including specialty insurance for various industries.
What They Do
BHSI provides specialty insurance products and services to various markets globally.
Who They Serve
They serve a diverse range of industries, including healthcare, construction, and multinational companies.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
BHSI’s Executive First Side A DIC policy follows the most favorable underlying terms and adds enhanced Side A DIC features. It includes double limit reinstatement and is backed by A++/AA+ paper.
Key Features
- Global claims handling with regional specialization
- Multiple reporting channels: online, email, phone, mail
- Dedicated claims contacts for specific insurance lines
- Preferred counsel lists for certain products
- Downloadable claims excellence resources
Who Is It For
- BHSI policyholders
- Commercial clients
- Directors & Officers
- Employers (Stop Loss)
- Travel insurance customers
- Berxi policyholders
- Ocean Marine clients
Claims Reporting
Provides multiple methods and resources for reporting claims for different insurance lines, including preferred counsel lists, online portals, email, phone, and mail addresses.
- Commercial Public Directors & Officers Preferred Counsel contact list
- EPLI Preferred Counsel contact list
- Ocean Marine claims online reporting
- Employer Stop Loss claims reporting
- Travel claims reporting via website, email, phone, or mail
- Berxi claims reporting via email, phone, or mail
- General claims reporting via email, phone, or mail
BHSI Claims Contacts
Lists the heads of claims for various lines and regions, including contact information.
- Rob Romeo – Head of Claims, North America
- Jeff Murdock – Head of U.S. Property Claims
- George Marr – Head of Specialty Programs Claims
- Jeff Jubera – Head of Surety Claims
- Ariane Totzke – Head of Travel Claims
- Kathryn Ridenour – Head of Professional and Construction Claims
- Theresa Biedermann – Head of Executive & Professional Lines Claims
Download
Downloadable resources on claims excellence for general, marine, and travel claims.
- Claims Excellence
- Claims Excellence Marine
- Claims Excellence Travel
Resources
Supporting Resources
Detailed Comparison
Coverage Breadth
Financial Strength
Policy Flexibility
AXA XLCompany Information
AXA XL is a leading provider of P&C global commercial insurance offering insurance and reinsurance to enterprises of every kind and size. AXA XL helps you take your business further.
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Description
AXA XL is the P&C and Specialty division of AXA, providing Re/Insurance to mid-sized and multinational companies, and some high-net-worth individuals.
What They Do
AXA XL provides insurance and reinsurance solutions, risk consulting, and innovative risk management services.
Who They Serve
Mid-sized and multinational companies, as well as high-net-worth individuals.
Key Value Propositions
What Customers Say
"AXA XL demonstrates strong financial stability and service capabilities while investing time to understand us, which are key criteria for us."
— Risk Manager
"They take time to understand our business and needs and generally responsive to those. They do what we need everywhere we need it and do a good job of putting a team behind it."
— Risk Manager
"AXA XL is much better than their peers on each of our carrier choice criteria: global scale, flexibility on how we structure programs, strong technical expertise and ability to execute all types of administrative actions."
— Risk Manager
"AXA XL stands for partnership and continuity, always willing to be a partner and to provide solutions to ensure business continuity."
— Risk Manager
"Their bench is deep, with lots of talented people, that are not just smart, but people you can enjoy spending time with and for some, even call them friends."
— Risk Manager
"AXA XL stands for integrity, financial strength, care about customer, value personal relationship and long-term strategic partner."
— Risk Manager
"AXA XL Claims is one of the most professional, courteous, and skilled teams I work with. Thank you!"
— Broker
"AXA XL Claims professionals are always prompt in their responses and understanding in how a large company manages their claims."
— Risk Manager
"From the first call to AXA XL claims, my experience was as positive and as pleasant as it could possibly be in these circumstances. Thank you!"
— Insured
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
AXA XL’s D&O suite includes Broad Side‑A DIC and Excess Side‑A DIC options to protect individuals for non‑indemnifiable losses. Coverage can be tailored primary or excess with global claims expertise.
Key Features
- Coverage in more than 200 countries and territories
- Award-winning captive solutions
- Primary and excess casualty insurance
- Flexible construction coverages and risk engineering
- Full suite of cyber insurance solutions
- Environmental insurance expertise
- Excess & Surplus (E&S) solutions for unique risks
- Multinational/global program capabilities
- Professional liability coverage
- Property insurance for commercial assets
- Specialty insurance (aviation, marine, fine art, etc.)
- Structured risk and (re)insurance solutions
- Delegated authority and program business
- Wholesale insurance for complex or non-standard risks
- Customized risk management and consulting
Key Benefits
- Global reach and local expertise
- Comprehensive coverage across a wide range of risks
- Innovative and tailored insurance solutions
- Support for complex and emerging risks
- Strong financial backing as part of AXA Group
- Data-driven insights and leading technology
- Risk consulting and loss prevention services
Who Is It For
- Mid-size companies
- Multinational corporations
- Some high-net-worth individuals
- Brokers and underwriters (via alternative distribution)
- Industry-specific clients (see industries_served)
Resources
Supporting Resources
Detailed Comparison
Coverage Breadth
Financial Strength
Policy Flexibility
BeazleyCompany Information
Beazley is a global insurance company that specializes in providing a range of insurance products and services to businesses and individuals. The company operates in various regions, including Europe, North America, and Asia Pacific, and offers a range of products, including cyber insurance, property insurance, and liability insurance. Beazley is known for its expertise in providing tailored insurance solutions to meet the unique needs of its clients.
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Description
Beazley is a global insurance company that empowers clients to focus on their core business success through expert underwriting and a personal approach to claims. They work with organizations of all sizes and from all industries, providing insights and expertise to enhance risk preparedness.
What They Do
Beazley provides insurance solutions and risk management services to organizations of all sizes across various industries.
Who They Serve
They serve clients from all industries, including multinational corporations and small businesses.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Beazley Armour Side A DIC D&O provides broad, non‑rescindable Side A protection with inquiry coverage and country‑specific DIC. Limits can automatically reinstate twice, with optional excess for independent directors.
Resources
Supporting Resources
Detailed Comparison
Coverage Breadth
Financial Strength
Policy Flexibility
Our Ranking Methodology
How we rank these offerings
We ranked these Side-A DIC Insurance Firms in USA based on three key factors: Coverage Breadth (40% weight), Policy Flexibility (35% weight), and Financial Strength (25% weight). BHSI scored highest due to its comprehensive global claims support and top-tier insurer ratings, coupled with flexible claims handling. These factors are critical for ensuring robust and adaptable protection for directors and officers in a variety of legal and financial circumstances.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for Side-A DIC insurance?
- The costs and pricing models for Side-A DIC insurance are influenced by factors such as the company's risk profile, the scope of coverage, and the specific features of the policy. For instance, AIG's Directors & Officers Side A statement includes features like drop-down enhancements which might drive premium costs due to its comprehensive nature. Chubb's CODA Premier policy is non-cancelable except for non-payment, potentially impacting its pricing structure to reflect stability and long-term assurance. Additionally, BHSI's double limit reinstatement feature highlights a flexible model which can affect costs positively by offering value through policy limits restoration.
- What are key selection criteria for choosing a Side-A DIC insurance provider?
- When selecting a Side-A DIC insurance provider, consider the breadth of coverage, policy non-rescindability, and financial strength ratings. Beazley's Armour Side A DIC policy, for example, provides robust, non-rescindable coverage with independent director protections, while AXA XL offers customizable primary or excess coverage with global claims expertise. Financial strength is crucial as evidenced by BHSI's A++/AA+ backing, assuring clients of the insurer's reliability.
- What industry standards should a Side-A DIC insurer comply with?
- Side-A DIC insurers must comply with state-specific insurance regulations, adhere to NAIC model laws, and maintain high financial stability as exemplified by rating agencies like S&P and Moody’s. AIG and Chubb, with their market reputations, follow such standards, ensuring they offer policies that not only meet but exceed regulatory requirements, which could include prompt claims settlement processes and robust reserves. Compliance with such standards is critical in maintaining trust and delivering on policyholder expectations.
- What challenges are associated with implementing Side-A DIC policies and what solutions exist?
- Challenges in implementing Side-A DIC policies include coordinating comprehensive coverage amidst complex claim scenarios and restructuring policy terms post-indemnification challenges. Insurers like BHSI offer solutions through enhanced Side A DIC features such as double limit reinstatement, ensuring continuity of coverage. Providers like Beazley address specific jurisdictional inquiries, helping navigate cross-border regulatory landscapes with ease, thus ensuring that the insured continues to be protected under variable conditions.
- How can companies evaluate the ROI and value delivery of Side-A DIC insurance?
- ROI and value delivery for Side-A DIC insurance can be measured through the policy's ability to provide financial security against directors' liabilities, especially in non-indemnifiable scenarios. Chubb's robust bankruptcy protections demonstrate value delivery by ensuring director liabilities are covered even when corporations cannot indemnify. Additionally, BHSI’s policy which follows the most favorable underlying terms, offers assurance that such policies are maximizing coverage and mitigating financial risks, directly contributing to ROI by reducing potential legal and settlement costs.
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