Directors and officers insurance

Comprehensive, tailored cover.

D&O protects the personal liability of company directors for any mistakes or omissions they might make while in the role.

If your directors have legal or regulatory responsibilities to employees, the public, regulators, investors or other directors, then you should consider D&O.

It is particularly important for directors of publicly listed companies and those seeking investment. Investors often ask for D&O, so having it shows you take your responsibilities seriously.

Why directors and officers insurance?

We've designed world-class cover, and made it super simple to buy.

Your personal liability

Many directors don't realise but if anything goes wrong on your watch, you could be held personally liable for the fallout. That means legal action, fines, disqualification, or even a prison sentence. Directors' and officers' cover – sometimes called management liability or D&O – is designed for this purpose, covering any defence costs and awards made against you.

Responsibility = risk

Power comes with responsibility - to employees, investors, regulators and members of the public. Personal liability claims can cover a whole range of issues, from breaching health and safety laws, to misadministration of the company pension, or errors in financial reporting. Even if you always act with the utmost care, it makes sense to cover your back.

PI won't cover you

It's a common misconception that personal liability claims would be covered under a professional indemnity (PI) or general liability policy. But this is unlikely to be the case. A separate D&O is the only way to guarantee personal protection for those with management responsibility in your business.

Find out more about directors and officers insurance.

Award-Winning Insurance

We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.

But don't just take our word for it. Leading digital companies, large and small, choose Digital Risks to protect their people and businesses.

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