Compare Directors & officers insurance

We compare the UK’s leading director insurance providers to help you find the best deal.

No matter the size of business or industry you are in compare and you could save £££’s.

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Compare some of the UK’s top directors’ insurance providers to help you find great deals.

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Frequent Questions

A few things you’d like to clear up first? Maybe you aren’t sure why it’s worth comparing directors’ insurance, how long it will take or what cover you need?

Well, then you’re in luck. We’ve written the following answers to questions frequently thought but rarely asked, about finding great deals on your directors’ insurance.

This should not be constructed as advice and is guidance only.

What is directors insurance?

Directors’ and officers’ liability insurance – also known as D&O insurance – covers the cost of compensation claims made against your business’s directors and key managers (officers) for alleged wrongful acts.

Wrongful acts include:

  • Breach of trust
  • Breach of duty
  • Neglect
  • Error
  • Misleading statements
  • Wrongful trading

Do all business need it?

If your company has directors or key managers, directors’ and officers’ liability insurance can cover the cost of compensation claims made against them by shareholders, investors, employees, regulators or third parties.

Directors and officers have specific duties, responsibilities and powers relating to their positions. These are usually set out in their job description or terms of reference. If a director or officer of your company is found to have acted outside of their terms of reference, civil, criminal or regulatory proceedings can be brought against them.

Directors’ and officers’ liability insurance covers the cost of defending these proceedings, as well as any compensation costs that arise from an unsuccessful defence.

If directors and officers do not have insurance, they face a greater risk of not being able to defend themselves against:

  • Disqualification from holding the position of director
  • Civil proceedings that can lead to hefty legal costs and awards for damages
  • Criminal prosecution, which can lead to fines and possible imprisonment

What is covered?

Directors’ and officers’ liability covers claims made by:

  • Regulators, e.g. investigations by the Health and Safety Executive (HSE) or the Office of Fair Trading shareholders or investors, e.g. for failure to act in the company’s best interest
  • Creditors

It also covers claims brought in relation to:

  • Breach of European legislation
  • Insolvency

Employment practices liability insurance can be bought as an extension of directors’ and officers’ liability insurance. It covers employee discrimination claims, e.g. for unfair dismissal, harassment, or failure to promote a person.

Directors’ and officers’ liability sometimes covers defence costs arising from criminal and regulatory investigations into your company where no actual wrongful act has been alleged against a director. Contact your insurer to find out what your policy covers.

What is not covered?

Directors’ and officers’ liability does not cover claims made against your organisation as a whole, only those made against individuals for alleged wrongful acts carried out in their capacity as directors or officers.