Arch Essential Side A® for Large Commercial Companies

Side A lead Difference In Conditions (“DIC”) & Follow Form Excess Liability insurance policy.


In today’s legal, economic and regulatory environment, directors and officers face a heightened degree of personal liability. With corporate insolvencies and the continuous rise of government enforcement proceedings, directors and officers have never been more exposed. The reliability of indemnification and insurance is paramount so that individuals can feel secure in serving as directors or officers. The Arch Essential Side A® Policy is designed to protect the personal assets of directors and officers when indemnification and insurance are otherwise not available. And because it’s Arch, coverage is backed by our strong financial security. As an early entrant into this market, our team of underwriting and claims professionals have extensive experience in handling non-indemnifiable risk exposures.

Customer Profile

Public companies in all industry segments.


Select retail and wholesale producers.


Up to $25 million in limits on a primary and excess basis.

Corporate Contacts

Chris Christon

Senior Vice President, Head of Large Commercial Group

Direct: +1 646 563 6375

Mobile: +1 917 494 4591

[email protected]

Will Seifert

Senior Vice President, Large Commercial Group

+1 646 563 5633

[email protected]

Jordan Borio

Senior Vice President, Large Commercial Group

+1 312 601 4131

[email protected]

Insurance Business America 2022 5-Star Professional Liability Carrier

Proud to be recognized as a 2022 5-Star Professional Liability and D&O carrier by Insurance Business America.

Jamie Schibuk, EVP Professional Liability and Cyber, and Hela Trerotola, SVP Growth & Middle Market, describe what differentiates Arch in the market and their plans for the future.

Our Brand Promise

Pursuing Better Together encapsulates how we do business at Arch Insurance. It is an approach that is based on collaboration, responsiveness and a genuine commitment to continually raising the bar.

It is our promise to our brokers, colleagues and other partners to:

  • Listen, share insights and work together to deliver informed solutions.
  • Build trusting, respectful and responsive relationships.
  • Understand your goals and explore possibilities together.

Key Product Features

  • Concise, Simple Four-Page Coverage Form – Coverage wording is considerably more concise and simpler than all other coverage forms available in the marketplace.
  • Covers Non-Indemnified Loss of Insured Persons – Covers Loss of an Insured Person that each Organization: (i) is neither permitted nor required to indemnify or advance; (ii) refuses to indemnify or advance or is financially unable to indemnify or advance; or (iii) fails to indemnify or advance within 60 days after a written request for indemnification or advancement by or on behalf of an Insured Person, and that has been neither indemnified nor advanced from any other source.
  • Includes Both Excess and DIC Coverage – Coverage includes both excess and DIC coverage. DIC coverage is triggered when a DIC Event occurs. “DIC Event” means the insurer of an Underlying Policy: (i) rescinding, or attempting to rescind, such Underlying Policy; (ii) denying coverage for any reason; (iii) not being liable to provide coverage according to the terms and conditions of such Underlying Policy; (iv) failing to respond to a written request for payment on behalf of an Insured Person within 60 days of such request; (v) failing to pay the proceeds of such Underlying Policy because such insurer is subject to any receivership, liquidation, bankruptcy, insolvency, dissolution, rehabilitation, or other similar proceeding; or (vi) failing to pay the proceeds of such Underlying Policy because such proceeds are subject to an automatic stay under the United States Bankruptcy Code or any similar law or an injunction or other legal order prohibiting payment.
  • Broad Follow Form Coverage – Coverage for Non-Indemnified Loss is intended to follow state-of-the-art primary policies available in the marketplace. Except as otherwise provided, coverage follows form to, and applies in conformance with, the provisions of the scheduled Followed Policy.
  • Conduct Exclusions Only – Followed Policy exclusions are deleted and replaced with conduct exclusions only. Conduct exclusions apply only when a final non-appealable adjudication establishes that such conduct occurred. Conduct exclusions do not apply to Defense Costs.
  • Claim Cooperation Severability – The failure of any Insured Person to cooperate with the Insurer shall not affect coverage for any other Insured Person.

Submission Guidelines

Completed application.

Speak with a Regional Expert

Northeast Contact

Chip Siarnacki

Regional Vice President, Large Commercial Group

+1 212 271 8329

[email protected]

Central Contact

Howard Sider

Vice President, Large Commercial Group

+ 1 201 424 1464

[email protected]

Southeast Contact

Christian Hartman

Assistant Vice President, Large Commercial Group

+ 1 646 563 8250

[email protected]

West Contact

Mary Manion

Vice President, Large Commercial Group

+1 646 563 6376

[email protected]

Document Library

Dec Page – Arch Essential Side A

Download PDF

Policy Form – Arch Essential Side A

Download PDF