The Baldwin Group, in collaboration with Nasdaq, Inc., released its 2025 Directors & Officers (D&O) Benchmarking Report on May 29, 2025. The report offers a comprehensive view of D&O insurance trends across public companies.
The findings indicate a continuing decline in D&O premium rates and retentions in 2024, extending a three-year trend of softening market conditions. Average retention levels dropped from $2.5 million to $1.5 million, and the average premium for $5 million in limits fell to $277,985 from $315,222.
The report also reveals that many companies, particularly mid-cap firms, may be over-insuring by $15 million to $20 million relative to their actual litigation exposure. This suggests a potential for significant cost savings if D&O programs are right-sized based on actual risk profiles.
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