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Directors' & Officers' Liability Insurance

All organizations and the people who lead them are vulnerable to Directors and Officers liability exposures.

Directors and officers are jointly and severally liable for any damage arising from their actions, meaning that each of them may be held liable in full for compensation of the affected parties.


D&O liability insurance is designed to protect individuals from personal losses if they are sued as a result of serving as a director or officer of a business.


One Broker can provide you comprehensive protection to make sure your personal assets and your family are covered in case you are personally sued by employees, investors, customers or other parties, for alleged or actual wrongful acts committed while managing a company.


Directors have unlimited personal liability for the performance of a company and can be sued for mismanagement by the shareholders. That is why any lawsuit filed against a director or officer requires a carefully prepared defense, which entails considerable expenses.


Besides mismanagement, other areas can give rise to claims too, such as:

  • Wrongful termination

  • Sexual harassment

  • Discrimination 

  • Positions on outside boards 

  • Initial public offerings 

D&O insurance covers defence costs, settlements, and other associated costs.


Coverage Highlights

  • Damages and costs incurred by the claimant

  • Legal costs for defence against allegations

  • Employment practices liability claims

  • Securities claims for listed companies

  • Representation at official investigations 

  • Coverage for retired directors

  • Crisis management


Additional coverage extensions can include:

  • Libel and slander

  • Joint venture liability

  • Outside directorships

  • Intellectual property

  • Pollution

  • Defence costs related to Occupational Health and Safety


Make sure to get the protection you need in order to keep the life you have worked for and your family safe. One Broker is here to support you along the way and arrange a comprehensive insurance policy to address the risks and liabilities you are facing in your position.