Directors & Officers Liability
Allymar Health is operating at the intersection of artificial intelligence, federal Medicare regulation, and institutional capital, three of the most complex liability environments in modern healthcare. You've built a platform that holds your clients accountable to CMS. You deserve a broker who holds themselves accountable to you.
Continue the conversationThe D&O Reality
Federal Medicare contracts, CMS oversight, client reliance, and investor expectations all converge on the same board table. The leaders of a company building regulated Medicare Advantage technology sit at the intersection of more accountability layers than executives in almost any other industry.
Directors and Officers Liability exists because the people governing a venture-backed, CMS-regulated platform face personal exposure that the company's own coverage does not address. A management liability claim follows the person, not the company.
The categories of exposure are well documented. The question is not whether a growth-stage health technology board faces them. The question is whether the right protection is in place before circumstances make it necessary.
Exposure Landscape
Each of these is a documented driver of personal liability for directors and officers of a venture-backed, CMS-regulated technology company. They are not theoretical. They are the categories carriers underwrite to.
Regulatory & CMS Scrutiny
A Medicare Advantage technology platform operates under constant federal oversight, from CMS submissions and risk scoring to Stars and HEDIS programs. Regulators review board-level decisions, and findings can name directors and officers personally, even when the action targets the company.
Investor Representation
Boards with institutional or private equity representation see elevated claim frequency, particularly as capital positions shift. Investor-driven claims are among the most common in the private company space, and the pattern is well established in growth-stage health technology.
Dual Fiduciary Duties
Leadership owes a duty to the clients who rely on the platform and to the investors who back it, at the same board table. Standard management liability programs rarely account for that simultaneous obligation.
Technology Oversight
When clients rely on an AI platform for CMS submissions, the board carries oversight responsibility for how that technology is governed. This is a directors and officers oversight question, distinct from the platform's own professional performance.
Fast-Scaling Leadership
A small, fast-scaling company adding executives and building out its board is a prime window for governance claims. Decisions made during rapid growth are looked at closely, often years later.
Financial-Distress Retrospective Claims
Creditors, investors, and regulators tend to look backward at decisions made during periods of capital stress. For venture-backed, growth-stage companies, a change in fortunes frequently opens that window rather than closing it.
Structuring the Program
This is a structuring conversation, not a placement. A program for a venture-backed, CMS-regulated platform with institutional investors and dual fiduciary obligations needs carriers experienced with the underlying complexity, not generalists working through executive liability for the first time.
The right structure accounts for the company's actual governance environment, capital structure, and regulatory landscape. It anticipates where personal exposure really lands rather than treating D&O as a checkbox alongside other lines.
Coverage gaps in management liability typically surface only when a claim is filed. The work of building the program is the work of identifying and closing those gaps before they matter.
Why Team Haugen
Allymar gives mid-market plans access to capabilities once reserved for large enterprises. Our posture is parallel. Growth-stage companies deserve institutional-quality D&O placement, not a cookie-cutter policy.
HUB carries dedicated healthcare practice expertise and management liability specialists. You are not a typical commercial account, and you should not work with a broker who treats you like one.
Markets for venture-backed, CMS-regulated, investor-influenced health technology companies, including carriers that write executive liability for this profile when standard markets will not engage.
Team Haugen's approach is research first and education led. A page like this exists because credibility matters more than pressure on a complex placement.
Your Team
The Team Haugen advisor group at HUB International Northwest, your single point of accountability across the program.
SVP, Commercial Lines / Team Haugen Lead
Associate Advisor, Commercial Lines
Associate Advisor, Commercial Lines
Private Client Risk Advisor
Private Client Risk Advisor
Vice President, Workers' Compensation
Workers' Compensation Claims Analyst
Insurance Adjuster
Client Services Advisor
CL Sr. Account Manager
CL Account Manager II
CL Account Manager II
CL Account Manager II
Sr. Risk Management Consultant
CL Account Manager
CL Account Manager
Team Haugen at HUB International brings deep experience in healthcare technology risk, management liability placement, and a commitment to understanding your business before we ever talk about a policy. We don't pitch coverage. We build programs around what's actually at stake.
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