insured versus insured exclusion

An insured versus insured exclusion is found in directors and officers (D&O) liability policies (and to a lesser extent in other types of professional liability coverage).

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The exclusion precludes coverage for claims by one director or officer against another. The purpose of this exclusion is to eliminate coverage for four types of situations: (1) employment practices claims, (2) internal disputes/infighting, (3) claims involving collusion, and (4) claims by organizations against their directors and officers for imprudent business practices.