Directors & Officers (D&O) Insurance

Directors & Officers Insurance protects the personal assets of your company's directors and officers against claims arising from decisions made in running the business. We arrange cover that responds when a director or officer is personally pursued for a management decision.

Directors & Officers Insurance Protects the People Making the Decisions

D&O Insurance covers directors and officers personally against claims alleging a wrongful act in their management of the company, such as breach of duty, negligence, or regulatory action. It responds to defence costs as well as any damages or penalties awarded against the individual.

Directors can be held personally liable in a way that's separate from the company itself, which means personal assets can be at risk even when the company carries its own insurance. We help you understand the level of cover appropriate to your company's size, structure, and risk profile.

Which Sectors Often Need Directors & Officers (D&O) Insurance

If you're a business of any size, D&O Insurance is typically required to protect your directors and board. Not sure, or your sector isn't on the list? Get in touch and we'll talk through what you need

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Construction & Infrastructure

• Mining & Resources

• Energy & Utilities

• Manufacturing

• Transport & Logistics

• Seafood & Aquaculture

• Distilleries & Wineries

• Property & Real Estate

• Food & Beverage

• Agriculture & Primary Production

• Community & Social Services

• Trade & Subcontractor Services

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What You'll Need for a D&O Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Company Structure

Your company structure, including the number of directors and officers and whether the company is private, public, or not-for-profit.

Financial Position

An overview of your company's financial position, including any recent or anticipated changes such as restructuring or insolvency risk.

Annual Revenue

Your business's annual revenue, which is typically used to help assess the exposure and calculate the premium.

Claims History

The details of any D&O or management liability claims made in the past 5 years.

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How D&O Insurance Differs From Related Products

Directors & Officers vs. Management Liability

Standalone D&O is typically used by larger companies wanting deeper, dedicated protection for directors specifically. Management Liability is a broader package that often includes a D&O component alongside employment practices and other management exposures.

Directors & Officers vs. Public & Products Liability

D&O covers personal claims against directors and officers for management decisions. Public & Products Liability covers the business for third-party injury or property damage claims — a different class of claimant and a different type of exposure.

Directors & Officers vs. Professional Indemnity

D&O responds to claims about management decisions made by directors and officers. Professional Indemnity responds to claims arising from professional advice or services the business provides to clients.

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