Directors & Officers (D&O)
Protect the personal liability of the people who lead your company.
Overview
Directors and officers carry personal liability for the decisions they make. A D&O programme shields your leadership from claims by shareholders, employees, regulators, or third parties — so they can lead with confidence and attract the calibre of executives your company deserves.
What we cover
- Personal liability of directors and officers
- Legal defence costs and investigations
- Claims by shareholders, employees, and regulators
- Entity coverage for securities claims
- Employment practices and fiduciary exposures
- Crisis and reputation management costs
Our approach
Assessment of your corporate governance and exposure profile
Tailored limits and side-A/B/C structuring
Placement with insurers specialising in management liability
Ongoing support through claims, inquiries, and investigations
Who it's for
- Board members and managing directors
- Senior managers with decision-making authority
- Public and private companies, family businesses and investor-backed start-ups
- Non-profit organisations and associations with governing boards
- Companies preparing for financing, a merger or new shareholders
How we work
As independent brokers we do not represent a single insurer. Our job is to understand what you need, look across the market for suitable options and explain clearly what each proposal does and does not offer, so that the final decision is an informed one and remains yours. Our role does not end once the policy is issued: we remain your point of contact for any change, renewal or claim.
Understanding your needs
We start with a conversation about your activities and risks, and review the policies you already hold, paying particular attention to your governance structure and the responsibilities of your directors.
Comparing the market
As independent brokers we request proposals from several insurers and present them side by side, explaining the differences in terms, exclusions and deductibles in plain language.
Negotiating terms
We work with insurers on wording, limits and special clauses so that the final policy reflects your situation as closely as possible.
Renewals and claims support
We stay involved for the life of the policy, reviewing the programme at every renewal and helping you report and follow through on any claim.
Frequently Asked Questions
Protect Your Business Today
Let us help you build a comprehensive risk management strategy that protects your business and supports your growth.