Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Directors & Officers
Personal liability cover for the people who run the organisation.
What this cover does
D&O protects the personal assets of directors, officers and trustees against claims arising from management decisions. It matters at private companies and non-profits as much as public ones, and investors and board candidates increasingly ask for it before joining.
Typically included
- Defence and settlement for claims against individual directors and officers
- Company reimbursement where it indemnifies them
- Entity cover for claims against the organisation itself
- Employment-related claims brought against individuals
- Regulatory investigation costs
Common add-ons
- Employment practices liability combined
- Fiduciary liability for benefit-plan decisions
- Crime and fidelity cover
- Side-A excess protecting individuals where the company cannot indemnify
Questions
What people ask about d&o
We are a small non-profit. Do our trustees need this?
Volunteer trustees can be named personally in claims about employment decisions, financial oversight and duty of care. State volunteer-protection statutes help but do not stop a claim being brought or defended.
Is this the same as professional liability?
No. Professional liability covers claims about services you sold to clients. D&O covers claims about how the organisation itself is governed.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Directors & Officers
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.