About Directors and Officers and Trustees Liability Insurance


Legal cover with directors and officers insurance policy

We are able to offer policies with no excess to pay if a claim against you as an individual is successfully defended


Personalised directors and officers liability insurance

We can offer tailored cover to suit your needs including cover for start-ups


Professional claims service

Expert advice to help you with claims you face

Direct Debit

Pay by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit

Features of Directors and Officers and Trustees Liability Insurance

Standard cover

Defence costs for corporate health and safety

Defence costs of health and safety, including corporate manslaughter, are included in our directors and officers liability insurance policies, meaning that should the very worst happen, your costs are covered.

Cover for retired or resigned directors

Directors and officers liability insurance can include up to 6 years' run off cover from the date of retirement/resignation, protecting past directors should a claim arise out of work completed during their employment.

Costs and awards of claims

Defence costs and awards arising from pollution, a failed private offering, administration of a company pension or benefit scheme, or by individual shareholders are covered by directors and officers liability insurance.

Additional policy benefits

The directors and officers liability insurance policy can be packaged as part of a management portfolio to include employment practice liability and corporate legal cover.

Directors and Officers and Trustees Liability Insurance FAQs


What is Directors and Officers Insurance?


As the leaders of your organisation, your company’s director(s), manager(s), supervisor(s) and board member(s) could be held personally liable and may find that they need additional protection. In a role which faces increased scrutiny, and vulnerability when things go wrong, it is important to have support in place should these members of your team face claims, or allegations, from the actions they have taken as part of their job.

People in these roles are likely to have responsibilities which pose a higher risk for claims by stakeholders, shareholders, trading standard or regulatory bodies. Should an allegation or claim arise, directors and officers personal finances are at risk. Even if the case doesn’t go to court, the allegation will still need to be investigated and this can incur significant costs. By purchasing directors and officers insurance this can help cover legal costs which arise during a claim.


Why do I need Directors and Officers Insurance?


The basis of directors and officers insurance, also known as D&O insurance, is to provide financial protection for senior members of staff who face allegations of ‘Wrongful Acts’.

‘Wrongful Acts’ can include a breach of trust of duty, neglect, error, misleading statements or wrongful trading which is carried out by a senior member of staff acting on behalf of your company. ‘Wrongful Acts’ can include both actual or alleged acts committed.

Directors and officers insurance can offer liability cover for any allegations surrounding ‘Wrongful Acts’ which includes defence cost and any financial losses which in some cases can amount to hundreds of thousands of pounds.

This policy can include all active senior members of the company, as well as any previous and future ones, to protect them against any claims that arise from projects that were completed during their term of employment at your company.


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


Yes, we can cover board members for outside entities, as long as these memberships are specified at the start of your policy. This will exclude PLCs, firms with assets in the USA and a range of Financial institutions – private equity, securities, banking and insurance etc.


What happens to the policy in the event of a merger or takeover?


In the event that someone acquires more than 50% of your company, or you consolidate with another company please contact your adviser to ensure you are protected.


Will my spouse and estate be covered for liability?


Our policy can cover the lawful spouse and civil partners of directors in enforcement proceedings against joint assets.


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


No. There is no minimum or maximum amount for eligibility.

We can offer cover for FCA regulated firms as part of a package policy so you can include it if you are also buying other cover such as professional indemnity.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.


What can go wrong if I don’t have Directors and Officers Insurance?


If you do not have directors and officers insurance, your directors and officers will find themselves personally liable against any claims and potentially unable to defend themselves.

Having D&O insurance in place can reassure your staff that if they find themselves in the position that they need to defend themselves from a claim and the accompanying hefty legal costs, the cover is in place to support them.

Consequences of not being able to defend a claim include being disqualified as a director/officer, criminal prosecution, custodial sentences, bankruptcy, financial hardship and trauma for all parties involved.


What are the most common Directors and Officers Insurance claims?


Examples of directors and officers claims include:

  • Accidents at work
  • Breach of fiduciary duty
  • Defamation
  • Discrimination
  • Fraud
  • Failure to comply
  • Health and safety including corporate manslaughter
  • Misrepresentation
  • Misuse of company assets and funds
  • Negligence
  • Sexual harassment
  • Theft of IP
  • Unfair dismissal
  • Withholding information
  • Wrongful termination


Who usually pays for Directors and Officers Insurance?


In many companies, directors and officers insurance is taken out by the company itself as an act of goodwill to protect the leaders of the company.


What is not covered by Directors and Officers Insurance?


If a stakeholder was to make a claim against your organisation as a whole then this would not be covered by D&O insurance. It is only applicable if the specified individuals on the policy are being accused of ‘Wrongful Acts’ as individuals.


Can I package up my Directors and Officers Insurance with other cover?


Directors and officers insurance can be packaged up with employment practice liability and corporate legal cover to provide a more thorough cover.


Can I pay in instalments?


To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Give us a call

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim