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Solutions > Insure > Business > Protect Your Business > Directors & Officers

Protect Your Leaders'Personal Liability forManagement Decisions

Personal Liability Cover

Protects leaders' personal assets (Section A)

Company Reimbursement

Covers the company's indemnification obligations (Section B)

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What is D&O Liability?

Directors & Officers (D&O) Liability indemnifies directors and officers (and the company where legally permitted to indemnify them) against claims for wrongful acts committed in their capacity as directors and officers. It is written in two sections: Section A indemnifies the individuals for wrongful acts where the company cannot reimburse them; Section B covers the company for reimbursements it is required or permitted by law to make to its directors and officers.

Highlights

  • Indemnifies directors and officers against claims for wrongful acts in their managerial capacity.
  • Section A covers individuals where the company cannot reimburse them.
  • Section B covers the company where it is required or permitted to reimburse its directors.
  • Defence costs included — vital for attracting and retaining quality leaders.
A confident corporate director leading a boardroom meeting, protected by APA D&O Liability Insurance
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What is Covered and Not Covered Under D&O Liability?

D&O Liability protects your leaders' personal assets and your company's balance sheet against management-liability claims. Toggle between the categories below to explore your cover.

1

Directors & Officers Liability

Legal liability of directors and officers for wrongful acts committed in their managerial capacity.

2

Section A — Individual Cover

Indemnifies directors and officers where the company cannot reimburse them for wrongful acts.

3

Section B — Company Reimbursement

Covers the company where it is required or permitted by law to reimburse its directors and officers.

4

Defence Costs

Legal defence costs and expenses, with the insurer's consent, within the limit of indemnity.

5

Wrongful Acts

Claims for wrongful acts of omission or commission committed in managing the company.

6

Senior Management

Covers directors, officers and equivalent senior managers of the company.

Talk to a Liability Advisor

Buy through any APA branch or intermediary. Find the nearest office to protect your leaders.

Eligibility & Requirements for D&O Liability

Eligibility Criteria
Specifications
Who Qualifies
Companies and their directors and officers (and equivalent senior managers).
Documents
Completed proposal form with company details, financial statements and claims history.
Cover Scope
Wrongful acts of omission or commission committed in managing the company.
Rating Basis
Company size, sector, financials, governance, claims history and limit of indemnity.

How to Buy APA D&O Liability?

1

Complete the D&O proposal form with company details and financial statements.

2

Declare your governance information, claims history and required limit of indemnity.

3

Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).

4

Receive your policy protecting your leaders and your company's balance sheet.

Everything You Need, All in One Place

Access policy documents, claim forms, renewals, and important resources anytime.

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

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Frequently Asked Questions

Claims against directors and officers for wrongful acts committed in their managerial capacity, plus the company's reimbursement of its directors and officers where legally permitted.

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