Directors' and officers' liability insurance (D&O), along with errors and omissions (E&O) coverage and fiduciary liability, constitute property and casualty (P&C) insurers' most direct underwriting exposure to the financial crisis, says Moody's Investors Service.

In a new sector commentary, Moody's affirms its rating actions on D&O/E&O insurers have been negligible to date, reflecting the overall solid financial profile of most insurers through the financial crisis, aggregate coverage limits, and the relatively small size of the D&O segment within the context of the overall P&C insurance markets.

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