Directors & Officers Liability

Insurance designed to protect those at the top



Specialist Directors’ & Officers’ Liability Insurance designed to protect company directors, officers, and senior decision-makers when allegations or claims arise.

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We understand directors & officers liability

Whether you're a small or large business owner, we are here to help.

Directors and Officers insurance (D&O insurance) offers liability coverage for managers and officers within a company, to protect them from claims which may arise from decisions or actions that they may have taken.


When put in a position that holds lots of responsibilities, there are a host of potential risks that could arise due to particular decisions that are made. Unfortunately, these risks could lead to expensive and stressful legal fees, as any allegation made by a third party against a director or officer needs to be vigorously defended. And so, D&O insurance is there to pay for costs relating to gathering a defence, and any damages or settlements relating to the matter.


What's more, it isn't just a policy that can help with potential problems happening in the future, it is also a policy that can help businesses in the present day. Think about it - if a company does not have a good D&O insurance program in place, it is unlikely that they will be able to attract top managerial talent, given the potential risks involved.

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"Less stress in the long-run, should the worst happen"

FREQUENTLY ASKED QUESTIONS

  • What is Directors & Officers (D&O) liability insurance?

    Directors & Officers liability insurance protects company directors, officers, and senior managers against personal financial loss if they are accused of wrongful acts in the management of a business. 


    This includes claims for mismanagement, breach of duty, negligence, or regulatory investigations.

  • Who needs Directors & Officers liability insurance?

    D&O insurance is suitable for:

    • Company directors and board members
    • Senior managers and officers
    • Limited companies, partnerships, and LLPs
    • Charities and not-for-profit organisations

    Any business with individuals making strategic or financial decisions can benefit from D&O cover.

  • What does Directors & Officers insurance typically cover?

    Cover may include:

    • Legal defence costs
    • Compensation awards and settlements
    • Regulatory investigation costs
    • Claims brought by employees, shareholders, or third parties
    • Allegations of breach of duty or mismanagement

    Policies can be tailored to reflect the size, structure, and risk profile of the business.

  • Does D&O insurance cover personal assets?

    Yes. One of the key benefits of D&O insurance is that it can help protect a director’s personal assets, such as savings or property, if they are personally named in a claim.

  • What are "wrongful acts"?

    A wrongful act can include:

    • Errors or omissions in decision-making
    • Breach of fiduciary duty
    • Misstatements or misleading information
    • Failure to comply with regulations
    • Alleged negligence or mismanagement

  • What is the difference between D&O insurance and professional indemnity insurance?

    D&O insurance protects individual directors and officers, whereas professional indemnity insurance covers claims arising from professional services provided by a business. 


    Many organisations require both forms of cover.

  • Can small businesses and SMEs get D&O insurance?

    Absolutely. D&O insurance is suitable for small businesses, start-ups, and SMEs, not just large corporations. Claims can arise at any level, regardless of company size.

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