Director's & Officer's Liability Insurance

Protect Your Leadership

Designed to protect your leadership team from claims arising from their business decisions

Directors & Officer’s Liability Insurance

The directors, officers, and senior executives who lead your business make decisions every day that shape its direction, performance, and reputation. But with this authority comes personal exposure. Directors and officers can be held personally liable for their management decisions by a wide range of parties, and the financial and reputational consequences of such claims can be severe, extending to their personal assets if adequate protection is not in place.

Directors & Officers Liability Insurance (D&O Insurance) covers the legal defence costs and any compensation or settlement arising from claims brought against them in their leadership capacity. It also protects the company itself against the financial consequences of indemnifying its directors and officers following a claim. It is an essential protection for company management across businesses of all sizes, and increasingly a prerequisite for attracting the calibre of leadership talent that growing businesses need.

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We work closely with a broad network of reputable insurers across the UAE, giving our clients access to competitive pricing and comprehensive protection tailored to their unique requirements.

FAQ

What does Directors & Officers Liability Insurance cover?

D&O Insurance covers directors, officers, and senior executives against personal financial liability arising from claims brought against them in their capacity as leaders of the organisation. This includes legal defence costs, settlements, and compensation awards arising from claims by shareholders, employees, regulators, creditors, and other parties. It also covers the company for the costs it incurs in indemnifying its directors and officers, and the costs of responding to regulatory investigations and enforcement actions.

What is not covered under a D&O Insurance policy?

Standard exclusions include claims arising from fraudulent, criminal, or deliberately dishonest acts, personal profit or advantage gained by a director or officer to which they were not legally entitled, bodily injury or property damage claims, and prior known circumstances or pending litigation at the time the policy was taken out.

How do we respond if a claim is made against our leadership?

Notify GSIB immediately upon becoming aware of a claim, threatened claim, or regulatory investigation. Do not make any admissions of liability, respond to the claimant or regulator independently, or take any action that could prejudice your position before speaking to your insurer. Our claims team will work with you and the insurer through the entire claims process.

Does D&O Insurance cover former directors and officers?

Yes, D&O Insurance typically extends to cover former directors and officers for claims arising from their actions during the period they served in a leadership role, provided the policy was active at the time of the alleged act.

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Protect Your Leadership

Designed to protect your leadership team from claims arising from their business decisions