Directors & Officers Insurance

From SMEs to large corporations, over 2 million directors, partners and officers in the UK are taking on the extra responsibilities that come with running a business. It can be highly rewarding but in an increasingly litigious society, it also makes you personally answerable to any claims made against you by your employees, shareholders or regulatory bodies. If things go wrong, your personal assets could be vulnerable.

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What is Directors & Officers

Our Directors & Officers Insurance gives you affordable protection against claims or legal action taken against you personally by your clients, employees and business stakeholders. These can include employment practice claims, personal investigations by regulators (such as Health & Safety) or claims by shareholders where investments have been devalued by your actions. 

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We get to know you and your business

Our knowledgeable team will get to know you, your business and the risks you personally face. We’ll then assess the level of cover you need from £1 million to £10 million and create cover that’s as unique as your situation and remove the legal and financial worries that a claim against you can create.

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A personal claims service when you need it most

Should the unexpected happen, and you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need, get your claim settled quickly and smoothly and recover your losses. So you can keep your business running with the minimum of disruption.

For bespoke advice, award-winning underwriting and exceptional claims management, it has to be Higos.

Our Directors & Officers cover includes:

  • Employment practice – including settlements for sexual harassment or unfair dismissal
  • Regulatory investigations – including investigation costs and fines
  • Bankruptcy or insolvency – where there are claims against you personally for your actions 
  • Misconduct claims– not covered by Professional Indemnity Insurance
  • Investor actions– including compensation claims for shares devalued as a result of alleged misconduct

For independent advice or a quotation for your business

Contact us

Free mid-term review

Even if your policy isn't due for renewal now, we'd be happy to offer you a free, no obligation assessment of your current levels of cover

Get in touch
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Why Covid-19 Makes D&O Insurance Vital

In light of the Covid-19 pandemic, we understand more than ever how important it is for Directors & Officers to have the right protection in place. Our aim is to be able to help our clients as much as possible through these difficult times and help remove the legal and financial worries that a claim against you can create. 

Covid-19 Update