What does D&O insurance cover?

D&O insurance covers the personal liability of directors and officers, and defence costs, arising from alleged wrongful acts in managing the company — such as mismanagement, breach of duty or regulatory actions.

Directors & Officers Liability Insurance

Understand directors & officers liability insurance, key coverage considerations and the next steps for your organisation.

Explore coverage

Define the risk

Start with the people, assets, contracts and events that could create a material loss.

Review the wording

Compare limits, exclusions, deductibles, extensions and conditions—not premium alone.

Plan for claims

Understand reporting timelines, documents and the insurer’s claim process before buying.

Directors & Officers Liability Insurance

What D&O insurance covers

Directors and officers liability insurance can respond to covered claims alleging wrongful acts by company directors or senior officers while carrying out their duties. The exact protection, exclusions and defence-cost treatment depend on the selected policy wording.

Who should consider this cover

Companies with investors, lenders, employees, regulatory exposure or an active board can review D&O insurance as part of their wider liability programme.

Details needed for a quote

Insurers commonly review the company profile, ownership, financial information, board structure, prior claims and the requested limits. ClearCover can help organise the information needed to compare suitable options.