Directors and Officers Liability Insurance

Our directors and officers insurance policy gives you the protection need when acting on behalf of your company

Covering your D&O against claims brought against them, our policy is designed to help you cope with the strict legislative and regulatory world in which we work. Our policy grows and develops with your company providing the best defence should the worst happen.

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Directors and officers insurance features

  • Defence costs of health and safety (including corporate manslaughter)

  • Trading standards, environment or other regulatory claims

  • Defence costs and awards of claims:

    • by individual shareholders

    • arising from administration of any company pension or employee benefit scheme

    • arising from pollution

    • arising from any failed private offering

  • Ten years run off cover after a director retires

Additional policy benefits

  • The policy can be packaged as part of a management portfolio including:

    • Directors and officers liability

    • Employment practice liability

    • Corporate legal cover

    Packaged together they cover your company as well as the individuals employed by you

  • An excess is not payable if a claim against you as an individual is successfully defended

  • You can pay interest free by direct debit

  • No annual renewal forms so you are assured continuous cover without inconvenience

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Directors and officers insurance exclusions

  • Deliberate or dishonest acts

    • A dishonest or fraudulent act.

    • Acts intended to secure a personal profit to which the insured is not legally entitled.

  • Prior claims, investigations and circumstances

    • Any claims or investigations to which you were aware of arisen prior to the start of the policy

  • Prior litigation

    • Any litigation arisen prior to the start of the policy

  • Defined benefit pension schemes

  • An excess will apply to claims not successfully defended against the company

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Directors and officers insurance FAQs

I am a board member with various organisations; will I be covered for all my memberships?

Yes, we cover the insured person for whomever and wherever they are working as long as these are specified at the start of your policy.

Will my spouse and family be covered for liability?

Our policy covers not only the shareholders but also their spouses, civil partners and assets.

What happens to the policy in the event of a merger or take-over?

In the event that someone acquires more than 50% of your company, or you consolidate with another company, we have procedures to amend your cover.

Will we remain covered in the event of a management buy-out?

As standard you are covered for 30 days after the event of a management buy-out.

Do you require a shareholder to hold a certain percentage to be eligible for cover?

There is no minimum or maximum amount for eligibility.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Directors and officers insurance claims promise

In the event of a claim you deal direct with the insurer.  This means no middle men so you can get the results you need as quickly as possible.

All of the experienced claims teams are based in the UK and are grouped into specialist areas.  This ensures that the person you are talking to will have the exact expertise to offer immediate action and advice.

The claims teams understand how vital minimising the interruption to your business in times of distress is, so claims are handled as quickly as possible, sometimes even then and there.  For large and more complex claims though, loss adjusters and dedicated claims handlers are provided to handle your claim and help secure the best possible outcome.


Directors and officers insurance policy documents

Policy Wording [pdf, 125 KB]
0330 123 5741
0330 123 5741 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
Get a quote Request a callback
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