Director's and Officer's Liability

Protect your liability for general business risks.

Director’s and Officer’s Liability policy provides cover for the personal liability of Directors and Officers arising due to wrongful acts in their managerial capacity. Defence costs are also covered and are payable in advance of final judgment. This policy provides protection for claims brought against directors, officers and employees for actual or alleged breach of duty, neglect, misstatements or errors in their managerial capacity.


The D&O insurance is necessary to face the following situations;

  • Accounting irregularities.
  • Fraudulent activities.
  • Wrongful employment practices leading to dire consequences.
  • Failure to comply with the laws of the management committee.
  • Breach of responsibility of Directors or officers towards the management that might lead to financial loss.
  • Usage of insider information.
  • Lack of good faith and diligence.


  • Public Liability Companies
  • Private Companies
  • Not-for-Profit Organizations.

Basic coverage

    D&O Insurance provides indemnity to Directors and Officers for:

    • Legal​ and defense costs, and
    • Damages and expenses incurred arising from claims brought against them, due to wrongful acts in their capacity as Director or Officer of a company.

    Available Extensions- (varies with Insurance companies and discretion of underwriter):

    • Occupational health & Safety defense costs.
    • Shareholder pollution actions.
    • Bilateral extended reporting period.
    • Retired Directors or Officers.
    • Emergency defense costs.
    • Spouses, Heirs & representatives​.

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