Directors and Officers Liability Insurance

Directors and Officers liability insurance, also known as D & O insurance, is considered an essential requirement for directors or key managers (officers) in a business.

Directors and Officers liability insurance will cover the costs of compensation for claims made against directors and officers for wrongful acts. If you don’t have this insurance, directors and officers in your business could be disqualified from holding a position as director, could face civil proceedings, large legal costs, and even criminal prosecution and possible imprisonment.

A Typical Package

A typical Directors and Officers insurance package will include the following covers:

Directors and Officer’s Liability Insurance

A typical package of directors and officer’s liability insurance will include health and safety or manslaughter claims, employment claims, defamation, negligence, breach of duty of trust, wrongful trading under section 214 of the insolvency act 1986, and the administration of pension schemes.

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Frequently Asked Questions

We have tried to answer some of the most common questions we get asked below.

As a director in the business is it necessary that I take out this insurance cover?Yes. As any director or officer of the business, you are exposed to claims for compensation from shareholders, investors, employees, regulators or other third parties.

Can the company not provide protection in the event of an officer being sued personally, without this insurance?In most cases the company will not be able to provide protection, or it may not be in a financial position to do so.

Is this insurance cover expensive?Generally, in comparison to the relative company size this is a cheap cover to have, but none the less is very important.

Could I have short period of cover for a Directors and Officers liability insurance policy?There is little point as you are covered by the policy only at the time that a claim comes in, rather than at the time that a negligent act was undertaken. Therefore, you must ensure that the cover is continuous.

‘What people are saying’

M Bailey – Director of Asset Managing and Plant and Machinery Valuation Co

Allied Insurance have managed our insurance program for more than seven years, ensuring we get the right insurance at the right price. More than this, they provide us with expert advice and guidance when we need it, full annual reviews of our business insurance requirements and an experienced team available when we need them. An excellent combination.

G Clarke – Director at Precision Engineering Co

We have been with Allied since our business was established in 2002. Since then our Company has grown considerably and Allied have continued to adapt or insurance policies in line with Company growth and changes. They continue to provide excellent service and advice with day to day dealings and have been of invaluable assistance in the event of claims.

K Ramsay – UK Timber Importers

Allied have been our brokers for over 15 years over which time they have remained extremely competitive and have continued to provide an excellent level of service to suit our growing business’s needs. Having suffered a large claim recently the advice provided to us was invaluable in achieving the final settlement from insurers. We would highly recommend to any business.

K Thompson – Director – Large Electrical Contracting Co

We have worked with Allied now for several years and due their expertise and friendly service. We have gradually placed all of our company insurances with them. For us they are our “one stop Shop” and take the hassle away from scouring around looking for a better deal. Allied always provide a fair and Reasonable deal.

S Tabern – Director at Security System Installation Co

Allied Insurance Services Limited have been the Insurance providers for Tate Security Technology Limited for a number of years and have always offered professional advice, provided prompt responses to our company’s changing needs and were able assist and advise us in the event of claims. We find them both friendly & courteous to deal with and competitive within the market.

Catherine Jones

For more than seven years Allied have managed our insurance program ensuring we get the right insurance at the right price. They provide us with expert advice and guidance when we need it, full annual reviews of our business insurance and an experienced team available when we need them.

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