DIRECTORS & OFFICERS INSURANCE
Clear scope, realistic protection, and support when personal liability is questioned.
Built for directors and officers, not assumptions.
The real problem with D&O insurance
D&O claims don’t start with guilt.
They start with allegations—from shareholders, regulators, employees, or investors.
Common problems directors and companies face:
Personal assets exposed due to unclear coverage
Legal defence costs escalating quickly
Claims denied because of late notification
Confusion about who is covered: company vs individual
The real risk begins when a notice, inquiry, or lawsuit is received, not when the policy is purchased.
Why most people get this wrong
D&O insurance is often bought as a checkbox for compliance or funding.
That mindset creates dangerous gaps.
Assuming the company’s insurance protects individuals
Choosing limits without understanding exposure
Ignoring past acts or prior claims clauses
Not understanding exclusions related to fraud or misrepresentation
These gaps surface only when directors are personally named.
How I handle your D&O insurance
Understand company structure and decision-making roles
Identify who needs protection and to what extent
Explain coverage for defence costs and indemnification
Align limits with regulatory and shareholder exposure
Support notification and coordination during claims
The focus is personal protection during legal scrutiny, not just policy issuance.
What I help you with
Structuring D&O cover for directors and officers
Clarifying individual vs company protection
Guidance on limits and extensions
Renewal planning with governance changes
Claim coordination during legal proceedings
Everything is planned around how D&O claims actually unfold.
Is this right for you?
This is for you if…
You are a director, officer, or senior decision-maker
Your company has external investors or regulators
You want clarity on personal liability protection
You need support if allegations arise
This is not for you if…
You assume company assets always cover personal risk
You don’t want to disclose governance structure
You expect coverage without following reporting rules
Get clarity before making a decision
D&O insurance is about protecting people, not just companies.
Clarifying this early prevents personal exposure later.
D&O insurance – common questions
Does D&O insurance protect personal assets?
It can, subject to policy terms and exclusions.
Are all directors automatically covered?
Coverage depends on how the policy is structured.
Does it cover regulatory investigations?
Some policies do, subject to conditions and extensions.
Is timely notification important?
Yes. Delayed reporting can affect coverage.
Insurance coverage is subject to policy terms, conditions, exclusions, governance disclosures, notification timelines, and underwriting guidelines of the insurer.
This page provides general guidance and does not replace the policy document.