Protecting Leadership and Safeguarding Your Business

At Activate Insurance Brokers, we know that strong leadership is the backbone of any successful organisation. But with leadership comes responsibility—and sometimes, risk. Directors, officers, and senior managers can face legal claims arising from the decisions they make on behalf of the company.

Our Directors and Officers (D&O) Insurance, often bundled within broader Management Liability coverage, provides essential protection for your key decision-makers—helping to shield them and your business from potentially costly legal actions.

What is Directors and Officers Insurance / Management Liability?

Directors and Officers Insurance

Protects the personal assets of your company’s directors and officers if they are sued for alleged wrongful acts in their managerial capacity. This can include claims of:

• Breach of fiduciary duty
• Negligence or errors in judgment
• Misstatements or omissions
• Employment practices violations (e.g., discrimination, wrongful termination)
• Regulatory investigations and fines

Management Liability

Insurance is a broader package that typically includes D&O cover alongside other important protections such as Employment Practices Liability, Corporate Legal Liability, and Crime/Fidelity cover. This all-encompassing approach helps protect your organisation’s leadership and the company itself against a wide range of risks.

Why Do You Need This Insurance?

In today’s business landscape, directors and officers face increasing scrutiny from regulators, shareholders, employees, and competitors. Claims and legal actions can arise unexpectedly, and the costs associated with defending these claims—even if unfounded—can be substantial.

Without appropriate cover:

• Personal finances of directors and officers may be exposed
• Legal and settlement costs can threaten your company’s stability
• Reputational damage can impact business relationships and growth

D&O and Management Liability insurance provides peace of mind, allowing your leaders to focus on business growth without fear of personal or corporate loss.

Legal Defence Costs

Covers legal fees incurred while defending claims against directors, officers, and the business.

Employment Practices Liability

Protection against claims such as harassment, discrimination, and wrongful dismissal.

Regulatory Investigations and Fines

Support and coverage related to investigations by regulatory bodies, where legally insurable.

Fidelity and Crime Cover

Protection against theft, fraud, and dishonesty by employees or third parties.

Flexible and Tailored Limits

Policies designed to fit your company’s size, sector, and risk exposure.

Who Should Consider Directors and Officers / Management Liability Insurance?

• Private and public companies of all sizes
• Start-ups and high-growth businesses
• Non-profit organisations and charities
• Financial institutions and professional services firms
• Any organisation with a board or senior management team