Directors & Officers Insurance
Protect the personal assets of your company's directors and officers from the financial consequences of claims arising from their management decisions.
What's Covered
D&O insurance provides three layers of protection: for individual directors, for the company when it indemnifies directors, and for the company itself in securities claims.
Personal Asset Protection
Protects directors' personal assets — including their home and savings — when they are held personally liable for management decisions.
Defence Costs
Covers legal fees, court costs, and professional adviser fees incurred in defending claims and allegations against directors and officers.
Regulatory Investigations
Covers the cost of legal representation when directors face investigations by the FCA, HMRC, HSE, ICO, or other regulatory bodies.
Employment Practices Liability
Protects directors against personal claims from employees, including allegations of wrongful dismissal, discrimination, or harassment.
Wrongful Trading
Covers defence costs when directors are accused of allowing a company to continue trading while insolvent or beyond the point of recovery.
Company Reimbursement
Reimburses the company when it has indemnified a director for covered claims, protecting the company's balance sheet and cash flow.
Who Needs D&O Cover?
Every organisation with a board or management committee should consider D&O insurance to protect its leaders.
Limited Companies
Directors of private and public limited companies face personal liability for management decisions, statutory duties, and fiduciary obligations.
Charities & Not-for-Profits
Charity trustees and board members of social enterprises carry personal liability for governance decisions and regulatory compliance.
Subsidiaries & Groups
Directors of subsidiary companies may not be fully protected by the parent company's D&O policy and need their own dedicated cover.
Frequently asked questions
What personal liability risks do directors face?
Directors can be held personally liable for wrongful trading, breach of fiduciary duty, health and safety failings, environmental offences, and employment law breaches. Personal assets — including property and savings — are at risk if a claim is brought and the company cannot or will not indemnify them.
When can a company not indemnify its directors?
A company may be unable to indemnify its directors when it is insolvent, in administration, or subject to a winding-up order. It is also prohibited from indemnifying directors against criminal fines, penalties imposed by regulatory bodies, and the cost of defending criminal proceedings where the director is found guilty.
What is the difference between Side A, Side B, and Side C cover?
Side A covers individual directors when the company cannot indemnify them — for example, during insolvency. Side B reimburses the company when it has lawfully indemnified a director. Side C (entity cover) protects the company itself against securities claims. Together, these three elements provide comprehensive protection.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.