Individual Coverage
Repays the organisation when it advances defence costs or indemnifies a director against a covered wrongful act claim by shareholders or regulators.
Director’s & Officer’s Liability (D&O) Insurance
Protect Your Leaders From Personal Liability
Director’s & Officer’s Liability (D&O) Liability Insurance protects your directors and senior management against legal claims and personal liability from their decisions and actions, helping cover legal defence costs.
Personal Asset Protection
Legal Defence Covered
Management Risk Protection
What Is D&O Insurance?
Understanding D&O Insurance
Director's & Officer's Liability Insurance (D&O) protects company leaders from personal liability arising from managerial actions, covering errors in judgment, alleged breaches of duty and regulatory investigations with financial and legal protection.
What Does It Cover?
- Legal defence costs
- Settlements and court judgments
- Regulatory investigations
- Claims from shareholders, employees, customers, or authorities
Example:
If stakeholders accuse the management of mismanagement during a financial downturn, D&O insurance covers the legal expenses and protects the personal assets of the directors involved.
Coverage Components
Comprehensive Protection At Every Level
Company Reimbursement
Repays the organisation when it advances defence costs or indemnifies a director against a covered wrongful act claim by shareholders or regulators.
Securities Entity
Covers the company when it is a co-defendant in securities class action litigation, ensuring resources are preserved for business continuity.
Regulatory & Investigation
Covers costs of responding to formal regulatory investigations, government inquiries, and subpoenas — even before charges are filed.
Employment Practices Liability
Protects against claims of wrongful termination, discrimination, or harassment brought by employees against leadership or the entity.
ESG & Governance Liability
Emerging coverage for claims arising from ESG failures — a growing area of shareholder and regulatory scrutiny worldwide.
Advisory Support
Protect Your Leadership Before Risk Finds You
We understand that no two boards are alike. Our policies are crafted to meet the unique risk profile of your organisation and leadership structure.
- 1.
Risk Assessment & Needs Analysis
We understand your board composition, governance framework, and industry risks to map the right coverage for your organisation.
- 2.
Policy Design & Placement
Our specialists craft a bespoke policy with optimal limits and retentions, placed with A-rated carriers at competitive premiums.
- 3.
Legal Panel Access & Defence Support
Immediate access to our panel of senior corporate defence counsel with D&O litigation expertise across all jurisdictions.
- 4.
Dedicated Claims Advocacy
A dedicated claims advocate manages your case from notification to resolution with prompt payment and minimal disruption.
- 5.
Annual Policy Review & Renewal
Annual reviews ensure your coverage keeps pace with your organisation's growth and regulatory changes.
Ready To Protect Your Leadership Team?
Speak with a specialist today and receive a no-obligation D&O coverage assessment tailored to your organisation's risk profile.
Frequently Asked Questions
Answers to Common Insurance Queries
They address different aspects of management liability, including protection where indemnification is unavailable, reimbursement to the company and certain entity-level exposures, subject to policy terms.
The nature and frequency of regulatory, shareholder and management liability exposures can materially affect limits, retentions, extensions and insurer appetite.
Equirus Raghnall evaluates corporate structure, financial profile, governance, geographical exposure, regulatory environment, claims history and required limits before negotiating the programme.
The wording is reviewed for investigation costs, entity coverage, securities exposures, conduct provisions, continuity and other relevant extensions to identify areas requiring negotiation.
