It is clear that directors’ and officers’ (D&O) liabilities are increasing all the time. The world is becoming more litigious. The maxim “If it moves sue it. If it does not, sue it till it does”, is increasingly applicable to directors worldwide.

Safeguarding your leadership and protecting your business. 

Directors & Officers (D&O) Liability Insurance provides vital protection for company directors and executives against claims arising from actual or alleged wrongful acts committed in the course of their duties. It ensures that both your leadership team and your business are protected from costly legal actions, regulatory scrutiny, and financial liabilities. 

Why D&O Insurance Matters
 

In today’s complex business environment, Directors and Officers face increasing exposure to claims from a wide range of stakeholders, including:

• Shareholders
• Employees
• Customers
• Creditors and suppliers
• Regulators and other third parties

Without the right protection, defending against such claims can be financially devastating. A D&O policy safeguards your leadership, supports indemnification agreements, and helps your organization attract and retain top talent. 

Who Needs D&O Insurance? 

D&O coverage is essential for:
 

• Publicly traded companies
• Private companies
• Non-profit organizations

Regardless of size or industry, any organization with a board of directors or key executives can benefit from this protection. 

Key Cover Areas

Side A: Individual Cover

Protects Directors and Officers personally when the company is unable to indemnify them for defense costs, settlements, or judgments.
 

Side B: Company Reimbursement Cover

Reimburses the company when it indemnifies its Directors or Officers for covered claims.

Side C: Entity Securities Cover

Provides protection for the company itself against securities-related claims, including allegations of mismanagement, fraud, or regulatory violations.

Extensions of Cover

In addition to the core protections, D&O policies may also include valuable extensions such as:

• Outside Directorship Liability – Covers executives serving as directors or officers in outside organizations (e.g., joint ventures, portfolio companies, or partnerships) with the company’s approval.

• Personal Tax Liability – Protection against personal responsibility for unpaid corporate taxes. 

• Fines and Penalties – Coverage for certain regulatory fines or penalties incurred by directors and officers.

• Employment Practices Liability – Covers claims from employees alleging  discrimination, wrongful termination, harassment, or other workplace-related disputes.