What is Directors’ & Officers’ Insurance and Why It’s Important
Running a company comes with responsibility — and senior executives, directors, and officers can be personally held liable for the decisions they make in managing the business. Directors’ & Officers’ Insurance (D&O) is designed to protect these individuals from personal financial loss if they are sued for alleged wrongful acts in their role.
Common risks covered by D&O Insurance include:
- Mismanagement of company funds
- Breach of duty or negligence
- Employment practices claims (e.g., discrimination, wrongful dismissal)
- Breach of health & safety regulations
- Misrepresentation of company performance
- Regulatory or legal compliance failures
- Defamation or libel claims
Without D&O Insurance, company leaders may have to pay legal costs and compensation claims from their own personal assets, which could be financially devastating. This cover ensures that your leadership team can make decisions confidently without the fear of personal bankruptcy due to legal action.
How Low Insurance Brokers Gets You the Best D&O Insurance Rates
At Low Insurance Brokers, we specialise in sourcing affordable yet comprehensive D&O cover by working with multiple leading insurers.
Our process:
- Assessing Your Risk Profile – We evaluate your industry, company size, and potential legal exposure.
- Comparing Multiple Quotes – We contact a wide network of insurers to find competitive deals.
- Negotiating Premiums – Our broker expertise allows us to secure lower rates without compromising on cover.
- Tailoring Your Policy – Ensuring your D&O policy covers your board’s specific responsibilities and risk areas.
- Ongoing Support – We’re here for you during policy changes, renewals, or claims handling.
Because we’re independent, we work for you, not the insurer, ensuring you get the right protection at the best possible price.
Why Businesses Trust Low Insurance Brokers for D&O Cover
- Lowest Premium Guarantee – We find you the most competitive rate possible.
- Specialist Knowledge – We understand corporate governance and compliance risks.
- Protection for Key Decision-Makers – Shielding your leadership from personal liability.
- Strong Insurer Network – Partnering with trusted, reputable UK insurance providers.
- Long-Term Support – From securing your first policy to managing claims, we’ve got you covered.
With Low Insurance Brokers, your directors and officers can lead with confidence, knowing their personal assets are safe and their legal defence is in expert hands — all while benefiting from the lowest rates on the market.
