Trusted IRDAI-Certified
Insurance Partner
Secures directors and officers against legal actions from management and governance decisions.
What’s Covered
Director and Officer Liability Insurance protects company directors, officers, and senior management against personal financial loss arising from decisions made in their professional capacity. It covers legal defence costs, settlements, and damages, helping leaders perform their roles confidently while safeguarding personal assets and organisational stability.
Covers personal financial liability of directors and officers for alleged wrongful acts. This protection ensures individual assets are safeguarded when legal action arises from management decisions, governance issues, or regulatory investigations during the course of business operations.
Pays for legal representation, court fees, and investigation expenses related to covered claims. Defence costs are often significant and can arise even when allegations are unfounded, making this coverage critical for senior leadership protection.
Reimburses the company when it indemnifies directors or officers for covered claims. This helps organisations manage unexpected legal expenses while continuing to support leadership during disputes, shareholder actions, or regulatory scrutiny.
Covers claims brought by shareholders, investors, employees, or other stakeholders alleging mismanagement, breach of duty, or negligence. This protection is vital for companies with external investors or complex ownership structures.
Protects against claims arising from regulatory investigations, inquiries, or enforcement actions. It helps manage risks linked to evolving compliance requirements, corporate governance standards, and statutory obligations across industries.
Provides continued coverage for claims reported after policy expiry, subject to terms. This is especially important during mergers, acquisitions, resignations, or company closures where liabilities may surface later.
Shields directors from personal financial exposure during claims.
Allows leadership to operate without constant legal fear.
Reinforces accountability and responsible management practices.
Manages expensive legal and investigation expenses effectively.
Demonstrates commitment to risk management and transparency.
Critical protection as businesses scale and attract scrutiny.
How to Buy
Evaluate leadership risk exposure, compare D&O coverage options, submit company and director details, finalize limits, and activate protection smoothly with expert guidance, regulatory compliance, and efficient policy issuance support services.
Instant & personalised
No impact on credit score
No hidden fees
Identify board responsibilities, management roles, regulatory risks, and potential claims exposure areas.
Review limits, exclusions, defense costs, retroactive dates, premiums, and insurer strength ratings.
Provide company profile, financials, director information, claims history, and governance details accurately.
Confirm terms, complete payment, issue policy documents, and begin D&O coverage immediately.
Faq’s
Director and Officer Liability Insurance is essential for companies with directors, board members, or senior management involved in decision making. It is particularly important for startups, listed companies, and investor backed businesses facing regulatory oversight, shareholder expectations, and increased exposure to governance related claims.
The policy covers claims related to wrongful acts such as breach of duty, negligence, misstatements, errors in judgement, and governance failures. Coverage typically includes legal defence costs, settlements, and damages arising from civil, criminal, or regulatory actions, subject to policy terms and exclusions.
Director and Officer insurance is not legally mandatory, but it is strongly recommended. Many investors, lenders, and board members insist on D and O coverage as a condition for engagement, especially in regulated industries or companies with external funding and independent directors.
The policy generally covers defence costs for allegations of criminal acts until proven. However, intentional fraud, dishonesty, or proven criminal misconduct are excluded from indemnity. Policy terms clearly define exclusions, making careful review essential before finalising coverage.
Yes, coverage limits, extensions, and reporting periods can be tailored based on company size, industry, ownership structure, and risk exposure. Customisation ensures adequate protection while aligning premiums with the organisation’s governance complexity and operational scale.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
9319222734
