Rare and complicated boarder areas are the breeding ground for specialization. This applies to the financial lines. They are boarder sections of the commercial business regularly accounting for well below 10% of the total revenue of all insurances.
Who, as a generalist, has to focus on the other 90 - 99% of all insurance sales should consult a financial lines specialist. Someone, who has to look after all different segments himself, runs the risk of challenging his good services in main areas by making mistakes in boarder segments. In particular the exposure to D&O affords an opportunity to either distinguish oneself vis-à-vis the corporate management or not.