The Baldwin Insurance Group Inc., in collaboration with Nasdaq, has released its 2025 Directors & Officers (D&O) Benchmarking Report. The report offers an in-depth analysis of D&O insurance trends across public companies, segmented by industry and market capitalization. Now in its fourth year, the report highlights a continuing decline in premium rates and retentions. However, it also uncovers a significant misalignment between the coverage companies purchase and their actual risk exposure. Many firms might be over-insuring by $10 million to $20 million, as their actual risk profiles do not justify the coverage limits they are buying. The report provides granular benchmarking for premium changes, enabling companies to compare their renewal experiences with those of similar peers. Despite an overall average rate change of -9.7% for 2024, the study cautions against the potential pitfalls of misaligned coverage. The Baldwin Group emphasizes the importance of strategic capital deployment to ensure insurance spending aligns with business goals and risk exposure. For more information, visit their website at www.baldwin.com.