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Bespoke Insurance Group

C-03Professional & management

Directors & Officersinsurance.

Personal protection for the people who lead your organisation.

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C-03 · Elevation

01 · The exposure

Directors can be personally liable. The protection should be personal too.

Directors and officers liability insurance is designed to protect the personal assets of directors and officers when claims are made against them for wrongful acts in their management role, and to reimburse the company where it indemnifies them. It is commonly arranged as a standalone policy for larger companies, or as a section within management liability.

02Scope

What this covercan respond to.

A general guide. What a particular policy covers depends on its wording, limits, conditions and exclusions, and on what is declared to the insurer.

  1. 01Claims alleging breaches of directors’ duties
  2. 02Defence costs for investigations by regulators
  3. 03Shareholder, creditor and third-party claims against individuals, subject to exclusions
  4. 04Company reimbursement where it indemnifies its directors
Often discussed byBoards of private and public companiesNot-for-profit boardsStart-ups raising capitalAdvisory board members

03What we look at

Where the detailmatters.

  • Side A, B and C

    D&O policies are structured in parts, each responding to a different situation. Understanding which apply to your organisation is fundamental.

  • Insolvency

    Claims against directors often follow insolvency. Policy terms around insolvency deserve close reading.

04 · Before we talk

Questions yourbroker will ask.

Having these answers to hand makes the first conversation faster and the submission to insurers stronger.

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  1. What is the structure, size and financial position of the organisation?
  2. Are you planning a capital raise, acquisition or restructure?
  3. Do directors sit on other boards?

05 · Questions

Frequently asked.

Does D&O cover fraud?

Deliberate dishonest or fraudulent acts are generally excluded once established, although defence costs may be advanced until that point, depending on the wording.

Related cover

Commonly part of programs for professional services.

Talk directors & officersthrough with a broker.

A short conversation is usually the fastest way to know where you stand. No obligation, and no form required if you would rather call.

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Or call 1300 513 652, answered 24/7