Directors & Officers Insurance

Directors and Officers Insurance (often referred to as D&O) covers companies’ directors, officers and senior managers against claims arising from their decisions and actions taken whilst managing their business.

What are a Director’s Responsibilities?


Duty of Care and Skill

This law requires Directors to act with ‘the care an ordinary man would take in the same circumstances on his own behalf’ and with the skill expected from someone with his ‘particular knowledge and experience’. Where duties are delegated the Director is responsible for ensuring that the relevant person is sufficiently experienced, reliable and honest.


Fiduciary Duty

Directors must act honestly, in good faith and in the best interest of the company and must ensure no conflict of interest.


Statutory Duty

There are many statutes that affect the conduct of Directors and Officers including the Companies Act 1985, Insolvency Act 1986, Financial Services Act 1986, Environmental Protection Act 1990, Health and Safety at Work Act 1974.

What You Need To Know


Claims could be made against Directors from shareholders, creditors, Government and Regulatory bodies, employees and customers (to name a few)

Personal Risks

In a claim situation a Director’s personal assets are at risk – you cannot rely on the company indemnifying you


The D&O Insurance Policy will pay legal costs and expenses plus any civil damages awarded against the Insured’s

What should I do now?

In addition to providing a quote for the specific insurance you have searched for, we can review your other insurances at the same time, including (but not limited to) buildings, public liability, business-interruption, fleet, engineering and stock.

Speak directly to an experienced Broker on: 01225 657 850       Or, email us now:

& Regulatory Information

Prosure Insurance Services is an Appointed Representative of TEn Insurance Services which is authorised and regulated by the Financial Conduct Authority.

Registered in the United Kingdom under Company Number OC389721.

Prosure Insurance Services is registered under the Data Protection Act 1988, reference 2A035652.

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