Directors & Officers

Protect your leadership. Defend your decisions. Safeguard your personal assets.

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Today’s directors and senior managers operate in an environment of increasing accountability — where a single misstep, regulatory inquiry, or internal dispute can lead to personal liability.

 

Directors & Officers (D&O) Insurance protects the individuals at the top of your business by covering the legal costs and financial consequences of claims brought against them in their personal capacity.

Whether you're leading a growing SME, regulated firm, or high-growth tech venture, D&O cover is essential for protecting your leadership team and maintaining investor and client confidence.

 

What Does D&O Insurance Cover?

 

D&O insurance typically includes protection for:

 

• Legal Defence Costs

Covers the cost of defending directors and officers against allegations of wrongful acts — even if no wrongdoing is proven.

 

• Regulatory Investigations

Covers legal and professional fees incurred when defending against action by regulators such as the FCA, ICO, HMRC or Companies House.

 

• Claims from Shareholders, Employees, or Creditors

Protection against allegations of mismanagement, breach of duty, or wrongful trading — especially during insolvency.

 

• Employment Practices Allegations

Includes claims related to harassment, discrimination, or wrongful dismissal — often the most common trigger for SME claims.

 

• Breach of Fiduciary Duty or Misuse of Funds

Covers claims alleging poor corporate governance, conflict of interest, or financial mismanagement.

 

Who Needs D&O Insurance?

 

D&O cover is relevant to any company with directors, officers, or decision-makers, including:

 

• SMEs and limited companies

• FCA-regulated firms and professional service businesses

• Start-ups and high-growth ventures

• Charities, CICs and non-profits

• Firms with external shareholders, investors, or lenders

 

Even if you run a small business, directors can be held personally liable — putting your personal savings, property, and future at risk.

 

Why It Matters

 

• Directors and officers can be sued personally, even if the company is protected

• Most D&O claims involve no proven wrongdoing, but still incur tens of thousands in legal costs

• Claims often come from regulators, employees, creditors, or shareholders — not just clients

• D&O insurance helps protect your reputation, business continuity, and board recruitment

• It is increasingly required in investment rounds, tenders, and M&A transactions

 

Need Advice or a Quote?

 

We work with specialist D&O insurers in the London and Lloyd’s markets, offering cover that reflects your board’s actual risk — not just a generic policy.