Discover D&O Insurance | �ǿմ�ý Commercial

Directors & Officers (D&O) Insurance

In today's complex business environment, the responsibilities of business leaders have legal consequences. Mistakes they make in the performance of their duties can expose them to potential liability claims. At �ǿմ�ý Commercial, we understand the importance of protecting these key individuals. That's why we offer comprehensive Directors & Officers (D&O) insurance solutions.

We provide robust coverage that offers essential protection to company directors facing claims. Our D&O insurance goes beyond protecting individual directors and officers. It also extends protection to the insured company.

At �ǿմ�ý Commercial, we take great care to understand the individual needs of our clients. Our D&O insurance is tailored to the specific challenges faced by directors and officers, giving them the peace of mind to carry out their duties without unnecessary worry about potential legal consequences.

Directors & Officers (D&O) Insurance solutions

�ǿմ�ý Commercial will consider every risk on its own merit.��Capacity and coverage offered to individual clients subject to hazard, Nat Cat exposure, grading, terms & conditions.��The products and services described on this page may not be available in all locations. This is for your general information only.

Large businesses

Our D&O Insurance covers current,��future and past directors, as well as non-executive directors, subsidiaries, and officers of a company. The risk scenarios we cover include prospectus liability, pension trust liability and employment practices liability. And in specific cases, such as securities claims, the cover can be extended to cover the company itself.��

D&O insurance can also be used to recover defense costs and financial losses, as well as costs incurred by administrative, investigative and criminal proceedings.

The following risks are covered with D&O Insurance:

employment practices & HR issues
shareholder actions
reporting errors
inaccurate or inadequate disclosure (e.g. in company accounts)
misrepresentation in a prospectus (Prospectus liability [POSI])
decisions exceeding the authority granted to a company officer

failure to comply with regulations or laws e.g. General Data Protection Regulation (GDPR)
cyber risks
pension trust liability (PTL)
employment practices liability (EPLI)
criminal defence cost insurance

Our aim is to grow in the following areas:

From smaller and to large size companies with international subsidiaries
Offering across all Industries for both private and public companies

Primary and excess positions
Broad product offering including standalone PTL, EPL, POSI and�� Crime solutions

Coverage we offer in D&O Insurance:

Directors and Officers Liability inclusive of Side A
Employment Practices Liability (EPL)

Pension Trustee Liability (PTL)
Crime

Contact our experts for large businesses

Mid-sized businesses

The �ǿմ�ý Commercial approach has now been introduced in the first markets (Australia,��France,��Germany��and��United Kingdom). With a globally consistent underwriting and product approach, a strong local delivery through one team, a wider risk appetite and a seamless delivery, �ǿմ�ý Commercial plays the full Commercial market.��This approach will be further implemented across other markets globally in the coming months.

France

Offered by
�ǿմ�ý France

Directors & Officers (D&O)
Insurance

We protect managers, supervisory board members, and executives of mid-sized companies from claims by their own company as well as from third parties.

Germany

Offered by
�ǿմ�ý Versicherungs AG

Directors & Officers (D&O)
Insurance

We protect managers, supervisory board members, and executives of mid-sized companies from claims by their own company as well as from third parties.

United Kingdom

Offered by
�ǿմ�ý Insurance plc

Financial Lines Insurance | Mid-sized businesses

We offer directors & officers and professional indemnity products for UK based mid-sized businesses, traded via our specialist regional hubs.

Offered by
�ǿմ�ý Insurance plc

Digitally traded products | SME customers
��

A range of products for�� small to medium UK businesses is available through our trading solution QuoteSME or via imarket and major software houses.

Report

D&O insurance insights 2024

Our �ǿմ�ý Commercial experts discuss the top risk trends boards of management need to guard against in 2024.

Global I Press release

Leadership change

Petros Papanikolaou will succeed Joachim Müller as CEO of �ǿմ�ý Global Corporate & Specialty SE and �ǿմ�ý Commercial.

Magazine

Global Risk Dialogue

We’re discussing the burning issues and emerging exposures in global risk management, designed to help you navigate through eventful times.

Global | Press release

Professional indemnity insurance claims insights 2023

�ǿմ�ý Commercial's professional indemnity report highlights 11 trends driving future insurance claims activity.

Global I Press release

�ǿմ�ý appoints Commercial leader for Asia

Christian Sandric will join �ǿմ�ý Commercial as Commercial Managing Director for the Asia region with effect from September 1, 2023.

Global I Press release

New CFO for AGCS

Claire-Marie Coste-Lepoutre will hand over to Oskar Buchauer, currently Head of �ǿմ�ý Group Actuarial, Planning and Controlling and Group Chief Actuary.

Podcast

Trends in Technology

Jody Yee, Global Industry Solution Director for Technology, Media and Telecommunications (TMT) on how evolving markets require evolving solutions.

Listen here

Expert risk article

D&O you know about Delaware?

When the US state of Delaware allowed captives to be used to cover certain Side A liabilities in D&O insurance, it sparked a collaboration that innovated a flexible policy solution.