Rethinking D&O Insurance, more than just a policy
Directors and Officers (D&O) insurance is often treated as a routine procurement task.
But in today’s complex business environment, it’s anything but routine.
No minimum standards, no room for assumptions
Unlike many other insurance products, D&O is a non-prescribed class.
This means there are no minimum coverage standards, giving insurers the ability to dilute terms in a soft market just to stay competitive.
The result?
Critical gaps in protection that could leave your leadership team exposed when it matters most.
A strategic imperative for today’s boards
In a world where regulatory pressure, shareholder scrutiny, and reputational risk intersect, D&O insurance becomes more than just protection, it’s a strategic safeguard.
That’s why we consider it the number one insurance priority for boards, even ahead of general balance sheet protections.
Especially critical during M&A activity
Whether you're acquiring, merging, or divesting, D&O risk increases dramatically during corporate transactions.
Ensuring robust coverage is in place is essential to protecting directors and officers throughout these high-stakes events.
The hidden risks of claims-made coverage
D&O policies operate on a “claims-made” basis, meaning the timing of incident reporting is everything.
If you miss a notification window, you could lose coverage entirely.
That’s why it’s vital for boards, HR, and senior leaders to understand the policy terms inside and out.
Protecting more than just the bottom line
A D&O claim can be devastating, not just financially, but reputationally.
Even when directors act appropriately, allegations must still be defended, often in the public eye.
Don’t leave this to chance. Make sure your leadership is backed by the right protection, at the right time.
Download now
Download our Balance Sheet Protection: Specialised D&O Insurance Solutions brochure (on the right for desktop and below for mobile) for the full insights.
