Directors & Officers.

Individual cover protects directors and officers when the company cannot indemnify them. Company cover reimburses the organisation when it does indemnify directors and may also protect the company itself against certain claims.

Yes. Many D&O policies provide cover for investigation and regulatory defence costs, subject to policy wording and trigger requirements.

Yes, in certain circumstances, such as securities-related claims, depending on policy structure and coverage sections.

Coverage for fines and penalties depends on local law and policy wording. Defence costs are generally covered even where fines may not be insurable.

Limits are based on company size, revenue, balance sheet strength, industry risk, regulatory exposure and claims history. We assess these factors to recommend appropriate limits.

D&O forms part of a broader Financial Lines programme and can be complemented by EPL, Crime and Cyber insurance for comprehensive leadership protection.

We tailor D&O programmes that are aligned to governance risk and provide specialist support throughout placement and claims, helping leaders navigate scrutiny with confidence.