Directors and Officers (D&O) Insurance

A good business is made up of great leaders. But what if someone were to make a claim against your directors and officers?

Directors and officers (D&O) insurance is designed for this very situation, ensuring your company’s assets and its reputation are protected in the event that a director or officer is accused of wrongdoing.

Protect your business from claims made against your senior management team with directors and officers (D&O) insurance.

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What is directors and officers (D&O) insurance?

Directors and officers are essential for any business, helping you to steer your business in the right direction.

But sometimes things go wrong, and that’s where directors and officers insurance comes in. Directors and officers insurance protects the asset and reputation of your company if someone makes a claim against your senior management team.

This kind of cover is designed to protect your business from a range of claims made against its D&Os, including negligence, defamation, misleading statements, wrongful trading and breach of trust or duty.

Business directors speaking in a meeting in a board room,

Do I need directors and officers (D&O) insurance?

If you have directors and officers, you need insurance to protect them.

While your directors and officers can do remarkable things for your business, they put your company in an equally vulnerable position if they get things wrong. Cases of D&O misconduct are no strangers to the news, so you’ll likely be aware of the hefty fines and prosecution that can follow this type of claim.

That said, it’s important to remember that a claim does not need to be well-founded to cost your business money. The act of defending the claim alone – even if your senior management are found to have done nothing wrong – can be incredibly costly.

What does directors and officers insurance cover?

The good thing about this insurance is that it doesn’t just cover your company’s existing directors and officers, but also those of the past and future. As standard, you can expect your D&O insurance to cover you for:

Legal defence costs: If someone makes a claim against a member of your key senior management team, your D&O cover will reimburse you for any defence costs incurred, even if the case doesn’t go to court.
Legal awards: Your insurance will cover you if the court or insurer finds in favour of the claimant and awards them a compensatory sum to be paid by your business.
Defamation: If your company is accused of defamation as a result of a D&O, this insurance will cover you for any costs you incur as a result.
Regulatory board investigations: You’ll be covered for the cost of investigations made into your business by regulatory bodies, including HMRC, the Health and Safety Executive (HSE) and the Serious Fraud Office (FSO).

Are we the right commercial insurance broker for you?

Our directors and officers insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free directors and officers (D&O) insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too low to fully protect your business. If you’re unsure if your existing cover is giving you the right protection, we can help.

As part of our free directors and officers insurance health check, our experienced Commercial Team will personally review your existing policy to ensure you have the right cover for your needs.

We’ll assess if you have any gaps in cover, are overpaying for extra cover you don’t need, are legally compliant, and if we can find you a better deal – all free of charge.

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Speak to us about your directors and officers (D&O) insurance today

Our tailored directors and officers insurance policies ensure you get the right protection at the best price. Fill in your details below and our experienced Commercial Team will be in touch with you shortly.

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