Our directors and officers liability insurance policy gives senior decision-makers the protection needed whilst acting on behalf of your company.

Covering your directors against claims brought against them, our policy is designed to help you cope with the strict legislative and regulatory world in which we work. Our directors and officers liability policy grows and develops with your company providing the best defence should the worst happen, offering cover for senior managers against legal action, even after they’ve retired.

  • Defence costs of health and safety breach claims (including corporate manslaughter)
  • Trading standards, environment or other regulatory claims
  • Ten years’ run-off cover available after a director retires
  • Defence costs and awards of claims:
  1. by individual shareholders
  2. arising from administration of any company pension or employee benefit scheme
  3. arising from pollution
  4. arising from any failed private offering
Additional policy benefits:

The policy can be packaged as part of a management portfolio including:

  1. Directors and officers liability
  2. Employment practice liability
  3. Corporate legal cover
  • Packaged together they cover your company as well as the individuals employed by you.
  • An excess is not payable if a claim against you as an individual is successfully defended
  • Option to have continuous cover (no annual renewal) so you are assured unbroken cover and added convenience
Entity Cover

Entity cover provides additional protection for the business (the ‘entity’) where an action is brought against the company rather than an individual. In these circumstances standard D&O policies would not pay the claim. The policy covers the entity’s legal costs and expenses in defending such claims.

Typical situations where entity defence cover would be relevant would include:

  • Identity fraud in establishing that someone has fraudulently entered into an agreement with a third party by representing themselves as the entity.
  • Breach of contract investigations in defending a claim which alleges breach of contract for goods or services provided.
  • Deliberate or dishonest acts
  • A dishonest or fraudulent act
  • Acts intended to secure a personal profit to which the insured is not legally entitled
  • Prior claims, investigations and circumstances to which you were aware of arisen prior to the start of the policy
  • Any litigation arisen prior to the start of the policy
  • Defined benefit pension schemes
  • An excess will apply to claims not successfully defended against the company

These are some of the key exclusions/limitations, full details can be found in the policy wordings.

I am a board member with various organisations; will I be covered for all my memberships?

Yes, we cover the insured person for whomever and wherever they are working as long as these are specified at the start of your policy.

Will my spouse and family be covered for liability?

Our policy covers not only the shareholders but also their spouses, civil partners and assets.

What happens to the policy in the event of a merger or take-over?

In the event that someone acquires more than 50% of your company, or you consolidate with another company, we have procedures to amend your cover.

Will we remain covered in the event of a management buy-out?

As standard you are covered for 30 days after the event of a management buy-out.

Do you require a shareholder to hold a certain percentage to be eligible for cover?

There is no minimum or maximum amount for eligibility.

At Adler Insurance Brokers we are committed to providing you with a high-quality service, which we expect to maintain throughout the duration of the policy. In the event of the worst happening, you will deal direct with our in-house claims team. This means we can get the results you need as quickly as possible.

Simply contact our claims team using the details within your policy documents, or call us on 0121 764 7563 and we will put you through to the claims team. They will talk things through with you , guiding you through your next steps ad the whole process.

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