Directors and officers liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously. Please google Director and Officer Coverage and read what it means to have it and what it covers if you do not know what it is and need more info. WFTDi provides Director and Officer Insurance for each league independently at a cost of $150 for the calendar year. Payment can be made through e-transfer or paypal links on either the West or East skater page.