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Directors and Officers Liability Insurance

Whilst Public Liability cover provides your business with protection against claims for third party property damage and bodily injury, your directors or officers can still be personally liable for any alleged wrongful acts. Get a quote for Management Liability, or Directors and Owners Liability Insurance, from one of our business insurance experts today. Call 0345 504 0353 for a quote today!

Call our Commercial Team for a quote today0345 504 0353

Get in-touch for a Directors and Officers Liability Insurance quote or any other questions.

Directors and Officers Liability Insurance


Whilst Public Liability cover provides your business with protection against claims for third party property damage and bodily injury, your directors or officers (key managers) can still be personally liable for any alleged wrongful acts.

It is often believed that directors of a limited company are somehow protected and are not personally responsible for their corporate activities and decisions.

However, often the personal assets of a director or officer are at risk to in order to meet the costs required to defend any potential civil, criminal or regulatory proceeding brought against that person.

FAQS about Directors and Officers Liability Insurance

Still need some help? Take a look at our help and FAQs here...

Why is Management Liability Insurance needed?

As an example, a director might need a legal defence against a criminal prosecution which could ultimately lead to a fine or imprisonment, or a civil prosecution which could result in compensation awards or potential director disqualification. A decision or action made by a director could be considered a wrongful act, such as a breach of trust, neglect, error, breach of duty, misleading statement or wrongful trading all whilst acting in the capacity of their role.

Directors’ and Officers’ Liability insurance can be used to defend against:

  • Claims from investors or shareholders
  • Police or Serious Fraud Office enquiries
  • HSE investigations
  • Employment disputes

Some insurers offer extended cover to include Employment Practices Liability and Corporate Legal Liability.

What is Employment Practices Liability (EPL) insurance?

Employment Practises Liability insurance protects the business/organisation from claims arising from their employees relating to their legal rights being potentially breached. This could include claims allegations made in relation to:

  • Discrimination (age, race, gender, disability etc)
  • Wrongful Dismissal
  • Sexual Harassment
  • Breach of Contract
What is Corporate Legal Liability (CLL) insurance?

Corporate Legal Liability insurance protects the business or organisation against claims relating for ‘wrongful acts’ such as; Breach of Contract/Duty/Trust, Misleading statements,  Copyright Infringement.   This is similar to directors & officers liability however; it covers the business/organisation rather than the individual director or officer. The business or organisation is a separate legal entity, meaning it can be sued directly.

How do I get a quote?

Directors and Officers (or Management Liability) insurance isn’t doesn’t have to be unaffordable, often premiums are less than £350 for the essential basic cover so why not give us a call 0345 604 0353 and speak to our commercial team today. Alternatively, you can complete our instant online form.

Call for a Directors and Officers Liability Insurance quote today
0345 504 0353

Our reviews

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September 30, 2020StarStarStarStar

Quick and easy

Quick, friendly and efficient

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Very easy to set up policy and upload…

Very easy to set up policy and upload the documents. I am not a tech expert and managed to do it in a few clicks

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Quick and easy service

Quick and easy service, don’t mind paying a little extra ( and I’m only talking £15 difference) for a service with over a 4 star trust pilot review

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