Directors & Officers Insurance2025-05-27T15:28:11+01:00

Directors & Officers Insurance

D&O Insurance helps cover legal costs, settlements, and many other expenses incurred in defending against claims.

As a director or officer of a company, you have a duty to act in the best interest of the business and its stakeholders. However, the risks associated with making key business decisions are ever-present. Directors & Officers (D&O) Insurance protects you and your leadership team from the personal financial risks that arise from legal claims made against you in the course of your duties.

What Is Directors & Officers Insurance?

Directors & Officers Insurance provides coverage for company directors and officers in the event that they are personally sued for alleged wrongful acts committed while managing the company. This policy helps cover legal costs, settlements, and any other expenses incurred in defending against claims, protecting both your personal and professional interests.

Why Is It Essential?

In the modern business environment, directors and officers are increasingly exposed to claims from shareholders, employees, competitors, or regulatory bodies. Whether it’s a shareholder dispute, regulatory investigation, or employment-related claim, D&O insurance is essential to shield you from personal liability and ensure that your business leaders are properly protected.

Key Coverage Areas

  • Employment Practices: Protection against claims related to wrongful dismissal, harassment, discrimination, and other employment-related issues.
  • Regulatory Investigations: Coverage for legal expenses related to investigations by regulatory bodies, including the Financial Conduct Authority (FCA), the Health and Safety Executive (HSE), or other authorities.
  • Shareholder Actions: Protection against claims made by shareholders or other stakeholders alleging mismanagement or breach of fiduciary duty.
  • Defamation and Libel: Covering legal costs in the event of defamation claims arising from business decisions or public statements made by directors or officers.
  • Breach of Duty: Protection against claims alleging a breach of duty, negligence, or failure to act in the best interests of the company.

Why Choose D&O Insurance?

Directors and officers face a growing number of risks in their roles. With the increase in shareholder activism, regulatory scrutiny, and legal actions, D&O insurance has become an essential safeguard for anyone in a leadership position. Whether your company is well-established or a start-up, protecting the individuals who make critical decisions is crucial for the long-term success and stability of your business.

Don’t leave your directors exposed to personal liability. Talk to us today about tailored D&O cover that safeguards decision-makers and supports your business through regulatory or legal challenges.

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Need a tailored policy? Speak to an Expert and shield your business from online threats.

Included in this policy

Legal Defence Costs
Regulatory Investigation Cover
Breach of Duty or Trust
Employment Practice Claims
Shareholder Actions
Claims from Competitors
Claims from Business Partners
Personal Asset Protection
Claims During Insolvency

Are You Prepared for a Claim Against Your Directors?

A single allegation could put your directors’ personal assets at risk. Don’t wait for a problem to arise. Make sure your leadership team is protected with Directors & Officers Insurance tailored to your business. Speak to Morris Temple for expert advice and dependable cover.

frequently asked questions

Got a question not covered below? Contact us, we’d be happy to answer your questions.

Why do I need Directors and Officers (D&O) insurance?2025-07-21T11:20:56+01:00

Directors & Officers Insurance (D&O) protects the personal assets of company directors and officers from claims made against them for alleged wrongful acts while managing the company. In today’s business world, directors and officers face increasing risks from shareholders, regulators, and employees, making D&O insurance an essential safeguard to protect their personal liability.

What’s the difference between D&O insurance and professional indemnity insurance?2025-07-21T11:21:15+01:00

D&O insurance protects the personal liability of directors and officers for decisions they make in managing the company. Professional indemnity insurance, on the other hand, covers the business itself against claims of negligence or mistakes in professional services provided.

Do I need Directors & Officers Insurance if my company is small or privately owned?2025-07-21T11:21:42+01:00

Yes. Even small and privately owned businesses can face claims against their directors or officers — from employees, competitors, regulators, or shareholders. D&O insurance helps protect individuals from personal financial loss due to these claims.

How do I know what level of coverage I need for my business?2025-04-16T13:09:26+01:00

The level of coverage you need depends on various factors, including the size of your business, the industry you’re in, and the specific risks your business faces. At Morris Temple, we take a personalised approach to understand the unique needs of your business. We will work with you to assess these risks and provide the appropriate level of coverage, ensuring you’re fully protected without overpaying for unnecessary cover.

Your Ideal Policy

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