Directors & Officers (Management Liability) Insurance

Contact us today and learn how we can help you to to purchase the perfect Directors and Officers insurance policy also known as Management Liability.

Claims against Directors and Officers are becoming increasingly common. Did you know that a Director’s personal liability could be unlimited if a claim is made against them?

While businesses are generally protected by insurance policies, individuals often aren’t—especially if they’ve acted outside their authority or unintentionally violated parts of the Companies Act 2006.

A Directors and Officers (D&O) insurance policy can help protect both the company and the individual Director if a claim is made. This coverage can also be extended to include protection against crimes and employment disputes.

  • Director handshake organising business deal. Claims management service.

What is Directors and Officers Insurance?

Directors and Officers (D&O) insurance provides liability protection for company leaders, safeguarding them from claims that may arise due to decisions or actions taken in the course of their duties. It offers coverage for executives, managers, and board members against legal claims linked to their roles within the company.

Why is purchasing a Directors and Officers policy important for your business?

While business owners often trust that their employees understand their legal responsibilities, breaches can sometimes happen unintentionally. It’s crucial to ensure that your team is both knowledgeable and well-protected. A D&O policy helps your business handle claims made against its directors and officers, which can be time-consuming and costly to investigate. It also protects the personal finances of the individuals involved.

Claims Management Service

When you choose Trinity Indemnity, claims management is included as part of our service, so you can focus on running your business while we handle the rest. With over 30 years of claims management experience, our team is well-versed in all the procedures and legislation that apply to your business and policy.

Our expertise ensures your coverage is adequate and that your claim is processed and paid smoothly. Unlike other brokers who may forward your claim directly to the insurer without handling it themselves, we’re with you every step of the way. Whether your claim is big or small, our dedicated claims management team has your best interests in mind.

  • Telephone – 0161 388 1850

  • Email address – Sales@trinityindemnity.com

  • Postal address:
    1st Floor,
    11 Christie Park,
    Christie Way,
    Manchester,
    M21 7QY

What does Directors and Officers insurance cover?

In general, D&O insurance covers the following types of claims:

  • Securities violations, such as insider trading or securities fraud.
  • Mismanagement, including failures in managing company finances, operations, or personal involvement in administering company pensions.
  • Harassment and discrimination claims.
  • Shareholder derivative suits, offering protection against claims made by shareholders, including other directors.
  • Breach of fiduciary duty, such as self-dealing or conflicts of interest.
  • Regulatory investigations, including non-compliance with environmental or trading standards laws and regulations.

While individuals who act in good faith and fulfill their responsibilities are typically protected from personal liability under the law, those who fail to meet legal obligations can be held personally liable.