Who acts in which capacity
Identify directors, officers, subsidiaries and outside appointments. A title alone does not determine the insured capacity, and an appointment change can affect the review.
Skip to content01 02 03 Speak to a broker
Directors & Officers Liability Insurance
Directors and officers can face allegations concerning decisions made in their organisational role. D&O insurance examines that personal management exposure and how the organisation may indemnify its office holders.
Who it is for
Directors and officers assessing responsibilities arising from their appointments, alongside the organisation’s arrangements.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Individual and company interests
Personal liability, reimbursement of company indemnification and company liability are different elements. Check the selected structure rather than assuming every claim against the organisation is a D&O claim.
Defence and management changes
Review defence-cost handling, exclusions, existing allegations and acquisitions or changes of control. A broader Management Liability package may contain D&O, but the specific wording must establish that scope.
Information for quotations
Provide entity and group details, appointments, financial information, ownership changes, existing policies and any known disputes or circumstances.
Limitations and exclusions to discuss
An organisation and its individuals have different interests. Discuss insured persons and entities, claims basis, exclusions, limits and the relationship to Management Liability.
Frequently asked questions
Is D&O always included in Management Liability?
No. Review the selected sections and insured parties. A separate D&O arrangement may need its own assessment.
Do changes in directorship matter?
Yes. Joining, leaving or changing roles affects the background of the enquiry. The insurance effect depends on the applicable terms and timing.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.