Directors & Officers

Protect Your Company’s Leaders

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What is Directors & Officers (D&O) Insurance?

Directors & Officers Insurance protects company directors and senior managers against claims made for wrongful acts carried out in their roles.

It covers legal defence costs and compensation payments if they are accused of:

  • Mismanagement or breach of duty.
  • Negligence, errors, or omissions.
  • Breach of trust or regulatory non-compliance.
  • Defamation (libel or slander).

Without D&O insurance, directors and officers can be personally liable, putting their own finances at risk.

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What Does It Cover?

Wrongful acts or errors by:

  • Current and former directors and officers.
  • Board members.
  • Senior managers and supervisors.
  • A director or officer’s lawful spouse or partner (if named in the claim).

Do I need Directors & Officers Insurance?

Yes, if your company has directors or officers.

D&O insurance is not legally required in the UK, but it is strongly recommended. Claims can come from investors, shareholders, regulators, or employees and may involve serious allegations such as mismanagement, negligence, or regulatory breaches.

This cover protects your leadership team and helps you to attract top talent. It shows a commitment to safeguarding their professional responsibilities.

How Much Directors & Officers Insurance Do I Need?

The amount of D&O cover you need depends on your business size, risk level, and industry. Typical policy limits range from £250,000 to £10 million. Larger businesses and those in high-risk industries should consider higher limits to ensure full protection for directors and officers.

The cost depends on:

  • Previous claims history
  • Your company size and turnover
  • Number of directors and officers
  • Industry risk level

Competitive quotes are available, and D&O insurance can often be added to a Professional Indemnity Insurance policy for comprehensive protection.

It does not cover you for accidents involving your clients or members of the public. This would be covered by Public Liability insurance. Accidents involving your staff is covered by Employer’s Liability insurance.

In addition, it does not cover you if you make a mistake during the course of your work that causes financial loss. This would be covered by Professional Indemnity.

Need more help?

Our online quote is fast and simple but, if you need help or a wider range of policy options, our team of experts.

Call us today: 020 7846 0108

9am to 5pm Monday to Friday.

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Why choose Tapoly?

Accessible Coverage

Get the protection you need, whenever you need it, with our easy-to-use online platform.

Affordable Pricing

Designed to fit your budget, ensuring you’re protected without breaking the bank.

Flexible and tailored

Choose coverage that grows with your business, from professional indemnity to public liability and beyond.

Learn more about insurance for Directors and Officers