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Directors and officers liability insurance, D & O insurance

Directors and Officers Liability Insurance

Directors and Officers Liability Insurance from Hensure Business Insurance provides you with financial protection and peace of mind should a claim be made against you.

The directors and officers of a company are in a position of responsibility. Directors, managers and supervisors can face allegations and claims for which they may be held personally liable. Directors and Officers Liability insurance is paramount as unfortunately even in a Limited company, Directors and Officers cannot hide behind the veil of incorporation and their personal liability is unlimited.

In our increasingly litigious society it is becoming more common for allegations of wrongful acts to be made against Directors and Officers. All allegations would need to be investigated and defended, incurring significant costs.

Directors and Officers Liability insurance covers costs associated with the defence of an allegation of a wrongful act. A wrongful act could be a breach of trust, breach of duty, neglect, error, misleading statement or wrongful trading.

Claims can come from a variety of sources including:

Employee Claims:

  • Employees could bring claims for unfair dismissal or discrimination.
  •  Legislation.
  •  Directors and officers need to ensure that they keep up to date with current legislation and do not breach any European legislation.


  • Disgruntled creditors may look to pursue the directors of the company for trading whilst insolvent.

Any claim needs to be taken seriously and need to be strongly defended as directors and officers can face:

  • Disqualification.
  • Civil proceedings leading to large fines or an award for damages or an injunction.
  • Criminal prosecution leading to fines and even a prison sentence.

Other Insurance Services

Professional Indemnity Insurance
Public & Employers Liability
Injury & Incapacity Benefit Insurance
Director & Officers Liability Insurance
General Office Insurance
Shops/Retail Insurance
Insurance For Property Owners
Bespoke Business Insurance
Contract Works Cover
Trade Liability Insurance

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