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Home » Business » Commercial Insurance » Directors’ and Officers’ Insurance

Directors’ and Officers’ Insurance (D&O) covers the cost of compensation claims made against your business’ directors and key managers (officers) for alleged wrongful acts.

Directors can face unlimited personal liability for wrongful acts committed, or alleged to have been committed, in executing their duties.

  • Cover for legal liability of the directors and/or officers
  • Legal expenses incurred in defending a claim
  • Wide cover

The Alan Boswell Group Difference

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D&O Insurance is a complex subject with many options available. We will take the time to identify your needs for this and other relevant insurance products to make sure you’re fully covered. Directors and Officers Insurance is essential for many companies as it protects individuals in the event of legal action.

How our customers rate us

Always work hard to find us the right policies for a business area that is difficult to accommodate in the usual markets

Mr Ridley - D&O Insurance

D&O Insurance in detail

Every director, senior company executive and manager is a potential target for litigation, whether from shareholders, bankers, creditors, employees, customers, regulators or liquidators. Directors and officers without insurance are effectively risking their personal wealth since the financial implications of a legal action can be disastrous.

D&O Insurance covers two main areas:

  • Legal liability This is cover for costs awarded to successful claimants.
  • Legal costs Legal costs and expenses in respect of investigations and defense of actions.

There are also a number of additional options:

  • Public relations crisis management
  • Cover for non-executive directors
  • Emergency costs and expenses
  • Entity defence
  • Employment law protection

It is important to reiterate that this insurance covers you and your liability. This is separate to the business’ liability and can aid protection of your personal assets and property.


  • D&O Insurance is not legally required, although for many companies it would be considered best practice.

  • D&O Insurance won’t cover claims against the company. It is solely for individual Directors and Officers.

  • Claims can be brought by anyone who has an interest in the company e.g. customers, employees, shareholders, investors, regulators etc.

  • There will be a limit to the cover an insurance company is prepared to provide, however there are different options for the level of cover you may wish to purchase. Generally speaking limits are linked to turnover and based on historical claims data to ensure cover is appropriate.

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David Charles

Account Executive

David has spent 35 years in the insurance Industry ranging from various commercial underwriting duties, field development, offshore supervisory, management and broking. His current duties with Alan…

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Leanne Beasley

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After leaving school in 2013 Leanne went on to study Media at Boston College for two years. Leanne then joined Sutcliffe Insurance Brokers in 2015…

Mike Young
Michael Young

Account Executive

Mike is a Chartered Insurance Practitioner with more than 30 years’ experience of working for both national and regional broking firms. Mike has considerable experience…