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Directors & Officers

Directors and Officers Liability Insurance is crucial for protecting the personal assets of company directors and officers, as their decisions and actions can have significant financial and legal implications. It’s important for businesses to work with insurance experts or brokers who can help them assess their risk exposure and tailor D&O coverage to their specific needs.

Description

Directors and Officers Liability Insurance (D&O) is a type of coverage designed to protect directors, officers and key executives of a company from personal liability and financial loss arising from claims or lawsuits related to their decisions and actions in their roles. It provides coverage for legal defense costs, settlements and judgments that may result from allegations of wrongful acts, negligence, mismanagement, or other breaches of duty by company leaders.

Cost

The size of the business can indeed influence the requirements and cost of Directors and Officers Liability Insurance. Larger businesses, especially those with publicly traded stock, tend to have more complex operations and a greater number of stakeholders. As a result, they might have a higher risk of facing legal claims related to management decisions, financial reporting, compliance, and other governance issues. Therefore, larger businesses may need higher coverage limits and may face higher insurance premiums.

Requirements

The requirements for Directors and Officers Liability Insurance can vary based on industry regulations, the company's ownership structure, contractual agreements and the perceived risk associated with the business's operations. Publicly traded companies are often required by stock exchanges and regulatory bodies to have D&O insurance in place. Additionally, lenders, investors and business partners might require evidence of D&O coverage as part of their due diligence processes.

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Sustain Insurance Brokers is a trading name of Sustain Brokers Limited which is registered in England and Wales under company registration number 14309360. Sustain Brokers Limited is also an appointed representative of TEn Insurance Services Ltd, trading as Eleven, which is authorised and regulated by the Finance Conduct Authority (FRN 314593).

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