Directors and Officers

D & O insurance policies offer liability cover for company managers to protect them from claims which may arise from the decisions and actions taken within the scope of their regular duties.

D & O policies cover the personal liability of company directors and officers as individuals but also the reimbursement of the insured company in case it has paid the claim of a third party on behalf of its managers in order to protect them.

Directors and officers have specific duties, responsibilities and powers relating to their position. If a director or officer is found to have acted outside of their remit, civil, criminal or regulatory proceedings can be brought against them

Some examples of alleged wrongful acts are:

  • Breach of trust
  • Breach of duty
  • Neglect
  • Error
  • Misleading statements
  • Wrongful trading

D & O insurance operates on a claims made basis or within a contractually extended reporting period. A policy can also have an often unlimited retroactive period.

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