What is directors’ and officers’ liability insurance?

Directors’ and officers’ liability insurance, or management liability insurance, is insurance cover that offers financial protection to those who are the director, partner or officer of a company. It is designed to cover the cost of claims for compensation made against the insured individual. 

Being a director, partner or officer of a company brings with it certain responsibilities – to employees, members of the public, investors and regulators. It also exposes the individuals holding the positions of director, partner or officer to personal liability for the actions or omissions they make in the performance of their company duties. This means that they can personally be the subject of claims which could lead to the payment of fines, compensation or imprisonment.

With Hiscox directors’ and officers’ cover you can be confident that you and any other insured directors, partners or officers are protected against the cost of defending or settling:

  • a health and safety or manslaughter claim
  • an employment claim

and claims arising from:

  • a breach of duty or trust
  • negligence
  • defamation
  • wrongful trading under section 214 of the Insolvency Act 1986
  • the operation or administration of a pension or employee benefit scheme
  • pollution.

Quote & buy today

For more information and to find an expert independent broker to quote and buy from, call us on

0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts

How Hiscox Directors’ Liability Insurance protects you

It covers your personal wealth, or that of any other insured directors, partners or officers, for defence costs incurred during a claim and awards made against you. For example:

  • claims by investors or other shareholders (including other directors)
  • defence costs and awards of claims arising from your personal involvement with the administration of any company pension
  • defence costs, compensation and fines payable as a result of a health and safety claim from an injured employee.
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Your policy

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Quote & buy today

For more information and to find an expert independent broker to quote and buy from, call us on

0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts

Directors’ and officers’ insurance cover information

This cover protects you against claims for compensation made against you personally, as a company director or officer.

Our cover protects you against risks such as:

Risk

Example

Negligence

Making a mistake in your work or giving bad advice.

Health and safety or manslaughter claim

An employee or member of the public injured in connection with your business or operations.

Breach of duty of trust

Sharing confidential or sensitive information without consent.

Legal costs

The cost to defend yourself against prosecution for breach of a regulation or statute.

Is this product right for you?

  • You’re the director, partner or officer of a company
  • You want to protect yourself against the cost of defending or settling a claim made against you by employees or the public
  • You want to be covered for claims made against you by investors or shareholders

Existing customer

If you already have a policy with us and need to get in touch, our business insurance specialists are here to help.

Make a claim

When things go wrong, we’re the experts in putting it right. Need to make a claim?

Our claims promise

Our UK-based claims handlers are here to act swiftly and in your best interests. Find out more about our superior claims service.