Side A Wrap (SAW)

Kayzen Specialty offers an innovative approach to excess layer directors' and officers' liability (D&O) policies. Our Side A Wrap (SAW) product is designed to protect individual executives from unexpected gaps in coverage, providing an additional defensive safety net against vulnerabilities in underlying primary policies.

Contact our expert team today to learn more about how SAW can protect a company's leadership and assets.

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Key Features

Enhanced Protection

The SAW 'wrap' forms part of the excess layer on a traditional D&O tower, with the unique ability to drop down into the primary layer. This offers cover where the primary policy refuses or is unable to pay due to exclusions or limitations.

Insurer Insolvency and Run-off Safeguard

SAW protects individuals in cases where an underlying insurer becomes insolvent or when an insurer's D&O business goes into run-off, which can often lead to more restrictive interpretation of policy terms.

Indemnification Issue Coverage

Our product shields individual directors and officers from company indemnification issues, including:

  • Company insolvency preventing indemnification
  • Gaps around derivative actions
  • Situations where the company chooses not to indemnify

Benefits for your clients

01

Broader Primary Coverage: Protects D&Os' personal assets when the Primary insurer won't or can't respond.

02

No Erosion: Payments don't erode the excess follow form or vice versa.

03

Cost Neutral: When Kayzen sits on the 1st excess, there's no premium impact for including the SAW endorsement.

04

Additional Safety Net: Provides increased peace of mind and helps attract and retain talented leaders.

Why choose Kayzen Speciality's SAW?

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Innovative Solution

A strategic differentiator allowing brokers to uniquely stand out in a crowded market place.

Comprehensive Protection

Broadens ground-up coverage while maintaining the integrity of a traditional D&O tower.

Flexible Integration

Seamlessly fits into existing insurance structures.

Expert Support

Backed by Kayzen Specialty's deep expertise in financial lines.