Severability means the ability to separate.  In an insurance policy the term ‘severability’ refers to the ability to separate different parts of the policy or coverage so that if for some reason one part is invalidated, the remainder stays in effect.


Before a D&O insurance policy goes into effect, representatives of the insured organization must warrant that the information provided in the policy application is accurate and complete. With severability, the application for coverage is applied separately to each insured person and, in the case of misrepresentation only the coverage of those persons responsible for the misrepresentation are impacted.

See: Terms and conditions