What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Professional Liability / E&O · Calculator, Comparison & Guide

Corporate D&O Insurance: Calculator, Comparison Table & Guide

Investor-backed, family-owned, and pre-IPO companies. Side A protects individuals; ABC protects the entity.

1. Calculator
2. Comparison
3. Guide
FAQ

Prong 1 · Interactive Calculator

Private Company D&O Estimator

Investor-backed, family-owned, and pre-IPO companies. Side A protects individuals; ABC protects the entity.

Annual revenue ($)

Total assets ($)

Employees

Outside investors on cap table

Raising capital or M&A in 12 months?

Limit

Retention

Results
Line	Estimate
D&O base	—
EPL (employment practices)	—
Fiduciary (401k plan)	—
Investor / transaction factorSecurities-claim exposure from a Reg D raise is the single most common private D&O claim source after employment.	—
Estimated management liability package	—

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

D&O Structures

Side A only vs. ABC vs. full management liability package.

Criterion	Side A (Individuals Only)	ABC D&O	Management Liability Package (D&O + EPL + Fiduciary + Crime)
Individual directors when company can't indemnify	Included	Included	Included
Company reimbursement	Excluded	Included	Included
Entity as defendant	Excluded	Included	Included
Employment practices	Excluded	Excluded	Included
Fiduciary (ERISA)	Excluded	Excluded	Included
Crime / social engineering	Excluded	Excluded	Optional
Shared limit erosion risk	None	Shared	Shared (separate limits available)
Best fit	Add-on for boards	Most private companies	Companies > 50 employees

Included: covered in base form
Excluded: not available
Optional: available by endorsement
Limited: sublimited or conditional

Prong 3 · Deep-Dive Guide

Private Company D&O: Investors, Employees, and the Capital Raise

What a Reg D offering, a term sheet, and a wrongful-termination suit have in common: they all land on your D&O policy.

Who sues private companies

Employees (EPL), investors (securities and fiduciary claims), competitors (antitrust/unfair competition), regulators, and creditors in insolvency.

EPL is 60%+ of private D&O claims
Investor claims spike after down rounds and failed exits
Bankruptcy trustee claims against directors are covered only with the right insured-vs-insured carve-back

Capital raise coverage

A private placement under Rule 506(b) is a securities offering. Misstatements in the PPM or deck are securities claims.

Confirm no 'securities exclusion' or that private offerings are carved back
Notify the carrier of the raise; some require an endorsement
Side A for founders who may be individually named

Structure and limits

Limits should reflect assets, revenue, and cap table complexity.

$1M–$3M for < $10M revenue closely held
$3M–$5M with outside investors
$5M–$10M pre-IPO or > $50M revenue
Separate EPL limit if headcount > 100

Frequently Asked Questions

Our bylaws indemnify directors — why buy D&O?

Indemnification fails when the company is insolvent, when the claim is derivative, or when the board is split. D&O funds it.

Does D&O cover a Reg D offering?

Generally yes for private offerings under most private-company forms, but verify the securities exclusion wording before you launch.

What is 'insured vs. insured'?

An exclusion for suits between insureds (e.g., company vs. director). Ask for carve-backs for whistleblowers, former directors, and bankruptcy trustees.

Related: private company D&O · directors and officers insurance · management liability · D&O Texas

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All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.