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Directors and Officers (D&O) Insurance
Directors and Officers (D&O) Insurance, also known as Management Liability Insurance, is designed to protect individuals in senior management positions against claims arising from their decisions and actions while managing the business. In today’s regulatory and commercial environment, directors and officers can be personally exposed to significant financial risk, even when acting in good faith.
What is considered a “wrongful act”?
A wrongful act may include actual or alleged:
- Breach of duty or trust
- Negligence or errors in decision-making
- Misstatements or misleading information
- Wrongful trading or regulatory breaches
- Even allegations of such acts can result in substantial legal defence costs and potential compensation payments.
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D&O Insurance provides protection where directors, officers, or senior managers face claims alleging wrongful acts in the management of the company. These claims may be brought by employees, shareholders, investors, customers, competitors, regulators, or other third parties. Importantly, this type of cover can help safeguard the personal assets of directors and officers where they are personally named in a claim.
At AB&C Commercial Insurance, we work closely with businesses to arrange appropriate D&O Insurance that reflects the size, structure, and risk profile of the organisation. Our experienced team provides clear advice and access to specialist insurers, ensuring senior decision-makers have the financial protection and confidence needed to carry out their roles effectively.
The information on this page is for general guidance only.
Cover availability, limits, exclusions, conditions and excesses vary by insurer and policy wording.
We will explain the relevant demands and needs, key features and significant exclusions before cover is arranged.