Directors and Officers Liability

Protecting your key employees so your business can flourish

Directors’ and Officers’ (D&O) Liability Insurance financially protects your business for compensation claims made against you as a director, and your key employees such as department heads and senior managers.


Why does my business need it?

Mistakes happen. But when mistakes happen in business, the cost can be much higher to put things right. Company directors and officers face more than 200 areas of liability under the 1985, 1989 and 2006 Companies Acts, which could leave your business vulnerable if things go wrong.

D&O Liability cover protects directors’ and officers’ personal finances against the consequences of such claims. With this cover in place, you can rest assured your business, and the people making important decisions, are protected.


Policy Benefits 

Access to free advice

Covers directors personally

Backed by major global insurers

What does it cover?

D&O Liability Insurance protects all current, future and past directors and officers of a company and any subsidiaries. This can also include non-executive directors.

If a claim is successfully brought against you or your key employees, D&O Liability Insurance will pay for the legal and compensation costs. Policies can also be extended to protect key employees against the costs of administrative and criminal proceedings.

D&O Liability Insurance only covers claims made against individuals for alleged wrongful acts carried out in their roles as directors or officers. Claims made against your business are not covered unless you purchase the Corporate Legal Liability section.


Examples of wrongful acts protected by D&O Liability cover include:

  • Health and safety issues
  • Employment claims
  • Negligence and errors of judgement
  • Breaches of duty or trust
  • Wrongful trading
  • Employment claims (if you purchase the Employment Practices Liability section)

Key cover benefits

  • Empowers you and your key employees to trade confidently
  • Flexible cover tailored to your business needs
  • Backed by connected expertise and thinking



Does D&O Liability Insurance protect my business as a whole?

D&O Liability Insurance specifically protects individuals in your company who are directors or officers. Claims against your business are not covered. There are a range of other Insurances, such as Management Liability, that can cover both your business and key employees.


Are any wrongful acts excluded?

Some examples of wrongful acts not covered include fraud, personal profit and illegal compensation, and fines and penalties.

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