Essential Protection for Company Leadership
Directors and officers face potential personal liability for their decisions and actions on behalf of the company. Even when acting in good faith and with board approval, leaders can face claims that expose their personal assets. Directors & Officers insurance provides essential protection for company leadership.
In today's regulatory environment with increased shareholder activism and employee awareness, D&O claims are increasingly common. This protection is critical for attracting and retaining quality leadership and protecting directors and officers from personal financial exposure. We work with leading insurers to ensure your leadership team has appropriate protection for your company's size, industry, and risk profile.
What's Covered
- Claims alleging wrongful acts: Claims arising from alleged wrongful acts by directors or officers in their capacity as leaders
- Mismanagement allegations: Claims alleging mismanagement of company resources or operations
- Errors or omissions: Claims arising from errors, omissions, or failure to act
- Breach of fiduciary duty: Claims alleging breach of fiduciary duty or breach of duty of care
- Negligence claims: Claims alleging negligent conduct or decisions by company leadership
- Legal defense costs: Full coverage of legal representation and litigation expenses
- Damages and settlements: Court-awarded damages and settlement costs approved by insurer
What's Not Covered
It's important to understand what Directors & Officers insurance doesn't cover. Most policies exclude certain claims to ensure appropriate risk management and insurance principles.
Intentional illegal acts or fraud: Claims arising from intentional illegal acts, dishonesty, or fraudulent conduct
Personal profit or benefit: Claims arising from personal profit or benefit gained from an insured party's position
Bodily injury or property damage: Claims for bodily injury or property damage covered separately under other insurance
Prior acts or known claims: Claims arising from circumstances known to the insured before policy inception
Fines and penalties: Government fines, penalties, and regulatory sanctions
Specialist Coverage Options
Directors & Officers insurance can be tailored with various coverage options to match your company's specific structure, industry, and risk profile. We work with you to build the right protection package.
Coverage typically includes Side A protection (covers directors and officers when the company cannot indemnify), Side B coverage (reimburses company for indemnification), and Side C employment practices liability. Optional extensions include investigation and regulatory defence cover for dealing with regulatory investigations and inquiries, employment practices liability for employment-related claims, and outside director cover to protect external board members and non-executive directors. Our specialists will work with you to structure a policy that protects your leadership team and company against the specific risks you face.
Leadership Roles We Cover
Directors and officers liability needs vary depending on company structure, size, and governance. We protect leadership across all business types and governance models.
Leadership Positions Protected
Company Directors & Officers
Protection for executive directors, managing directors, and senior officers responsible for company operations and strategic decisions.
Non-Executive Directors & Trustees
Coverage for non-executive and independent directors, charity trustees, and trustees of employee benefit schemes.
Board Members & Committees
Protection for board members and committee members serving in governance roles, including audit, remuneration, and risk committees.
High-Growth Startups & SMEs
Tailored D&O protection for rapidly growing companies and small to medium enterprises navigating expansion and investment.
Risk Management & Governance Support
Effective Directors & Officers protection goes beyond insurance. We help your leadership team manage governance risks proactively through expert guidance and support.
Our support includes guidance on corporate governance best practices and regulatory expectations, ensuring your board operates in compliance with relevant regulations and corporate governance codes. We provide board training and development on governance responsibilities, risk awareness, and liability management. We also assist with risk identification and assessment across your business operations, helping boards understand and mitigate key exposures before they become claims. By combining specialist D&O insurance protection with proactive governance support, we help your leadership team operate confidently and effectively. Strong governance is the best defense against D&O claims, and we ensure your board has the knowledge and protection needed to lead your company successfully.