Directors and Officers Insurance - Compare Quotes

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Why Use QuoteSearcher for Directors and Officers Insurance?

Running a business naturally involves making decisions that can affect employees, shareholders, customers and regulators. While companies often have liability insurance in place, this does not always protect the individuals responsible for those decisions.

QuoteSearcher connects directors and senior decision-makers with brokers who are experienced in arranging Directors and Officers (D&O) cover. By completing a short form on our site, you can be introduced to brokers who will discuss your business structure, responsibilities and risk exposure before outlining insurance options based on your circumstances.

This approach allows you to explore D&O cover through experienced brokers, without needing to approach multiple providers individually.

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What Is Directors and Officers (D&O) Insurance?

Directors and Officers insurance is designed to cover individuals in leadership positions against claims made against them in their capacity as company directors, officers or senior managers.

These claims can arise from a wide range of situations, including alleged mismanagement, breach of duty, regulatory investigations or financial losses suffered by third parties.

D&O insurance focuses on protecting the personal liability of individuals, rather than the business itself, helping to cover legal defence costs and potential compensation.

D&O Insurance Policy Features

Please note that cover will always vary depending on the insurer and policy, but may include the following:

Legal Costs Cover

Protection for legal defence costs in the event of civil, regulatory or criminal proceedings.

Corporate Reimbursement Cover

Reimburses the company where it has compensated directors or officers following a claim.

Wrongful Acts Cover

Protection against claims arising from alleged wrongful acts carried out in a managerial capacity.

Breach of Duty Cover

May include protection against claims relating to breach of duty, mismanagement or misconduct.

Bankruptcy Litigation Cover

Cover for legal costs associated with claims arising during insolvency or bankruptcy proceedings.

Liability Cover

Some policies may extend to certain liability-related costs connected to claims against directors and officers.

What Types of Claims Can D&O Insurance Cover?

Directors and officers can face a wide range of potential claims as a result of their decisions and responsibilities.

These may include:

Claims from shareholders or investors alleging financial loss
Regulatory investigations or enforcement action
Allegations of negligence or breach of duty
Claims arising from insolvency or liquidation processes
Tax-related investigations by authorities such as HMRC
Allegations of fraud or misconduct

The financial and reputational impact of these claims can be significant, making this type of cover an important consideration for many businesses.

Who Needs D&O Insurance?

D&O insurance is typically relevant for:

Company directors
Senior managers and executives
Board members
Officers responsible for key decision-making

In some cases, the definition of an “officer” may extend beyond formal directors to include individuals who have significant control or influence over business decisions.

Why Consider D&O Insurance?

Even well-managed businesses could face claims or investigations. Decisions made in good faith may still lead to financial loss for third parties, regulatory scrutiny or legal disputes.

Without appropriate cover, individuals may be personally liable for legal costs and compensation, which can be substantial. D&O insurance helps provide financial protection and support in managing these situations.

Frequently Asked Questions About Director and Officers Insurance

- Do you need director and officers insurance for non-profit organisations?
  Any company, whether a non-profit or for-profit company, can have claims made against its directors. If you run a non-profit organisation, you may want to look into purchasing director and officers insurance. This will protect you in cases such as unpaid or incorrect taxes, suspected negligence, and suspected fraud investigations. For competitive pricing on directors and officers insurance policies, please fill out our form for a call back from a specialist.
- What does director and officers insurance cover?
  While it is important for people running a business to have liability insurance should something happen to their employees while on the job, it is also a good idea for those running the business to have director and officers liability insurance, which can cover eventualities such as breach of conduct, bankruptcy litigation costs, legal cost coverage, wrongful acts coverage, corporate reimbursement coverage, as well as public and employers' liability.
- Is director and officers insurance the same as a fidelity bond?
  No matter what you may hear elsewhere, director and officers insurance is not the same as a fidelity bond. A fidelity bond (or fidelity insurance) provides coverage for loss of money, securities, etc., due to dishonest actions by an employee or employees. Director and officers insurance protects the directors, officers, and managers of a company against external and internal claims. While both forms of insurance are useful for a company to have, it is important to know that they are not the same and cover different things.
- Why is director and officers insurance important?
  Running a company comes with both risk and responsibility to the company and its employees. Therefore it is important to be covered for any potential eventuality. External claims from stockholders or suppliers, and internal claims from subsidiaries or even the company itself can be made against you, and in those cases you will want to be protected.
- Is director and officers insurance necessary?
  While director and officers insurance is not strictly necessary, it is an important protection to have if you are running a company. In order to protect yourself and the reputation of your company should a claim against you be filed, we recommend purchasing director and officers liability insurance. Just fill out our form, and we'll take care of the rest.
- Can I get director and officers insurance for private companies?
  The short answer is, yes. Any company can benefit from having director and officers insurance, as directors take on a great amount of responsibility and risk whilst running a company. Any added protection will only benefit you in the future, should claims be made against you. If you're in the market for director and officers insurance for private companies, please fill out our form and we'll take care of the rest.

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