There are now over 250 ways of breaching the laws and directives concerning the directors and officers of companies.

When directors are accused of breaching these laws, actions may be brought against them personally even if they have done nothing wrong. A common misconception is that directors of limited liability companies have limited personal liabilities. This is not the case - directors' personal liabilities are unlimited.

Personal Directors & Officers Liability insurance safeguards directors and officers against claims of 'wrongful' acts, funding defence and settlement costs and the cost of legal representation at investigations. Without insurance, directors personal assets are put on the line & they can end up having to re-mortgage (or worse), just to pay legal fees.

Our product is aimed at directors & officers who see the benefit of buying individual cover, privately to protect themselves. This could be because a) the company they work for has no D&O policy in place or b) they are concerned whether the D&O insurance provided by their company provides adequate levels of personal protection.

We offer one of the most comprehensive personal D&O liability insurance products available, with premiums starting from just £105 per annum. You can choose from four levels of cover up to a maximum limit of £1,000,000.

Coverage includes;

Key benefits include free retroactive cover, extended cover to protect the insured's estate/heirs/spouse in the event of death & cover for directorships that the insured has retired from-as long as there is a current policy in force on the day of the claim.