Directors and Officers Liability Insurance

The contract is constructed with the individual in mind, albeit it is in the name of the Insured Company (whether they are a plc; private limited company; LLP; Charity or non-profit). The key is providing cover to the individual persons regardless of whether their employer is providing an indemnity.

Side A

Cover is often referred to and this is where the Insured Company is unable to indemnify the individual; either it cannot as it does not have the funds, or there is a particular reason why it will not. In these circumstances, the contract still applies and will indemnify the individual directly.

Side B

Cover is where the Insured Company can, and will, indemnify the individual. The Policy then reimburses the Insured Company for their loss.

Side C

Cover is often referred to as ‘entity coverage’ and this applies where the Insured Company is a publicly listed organisation. This coverage arises when shareholders act against the individuals, often taken in the name of the Insured Company itself.

In effect, the contracts main purpose is:

  1. Ensuring the directors and officers are personally protected
  2. Where the Insured Company has a requirement to indemnify, then the contract will protect the Insured Company’s own balance sheet and ensure financial stability and certainty in the event of a claim.

The cover is provided on a Limit of Indemnity basis meaning the proposer should consider the limits being purchased, ensuring they secure a limit that meets their needs.

The cover is written on a ‘claims made’ basis, meaning cover will apply only to claims notified during the contractual period.

The cover responds to any allegations of ‘wrongful act’, which covers the myriad of duties that decision-makers carry out on a day-to-day basis.

Why Kayzen


We are not broker owned and therefore not aligned to your competition.

Unified commitment

Fully aligned with our capacity provider and sharing common ownership ensures we are committed to the same goals: stability, profitability, sustainability.

5-year capacity

Commitment from our A- Rated capacity provider ensures long-term stability for a long tail class of business.

Claims excellence

Our experienced Head of Claims manages the entire claims process in-house, elevating Kayzen's service above those relying heavily on outsourcing. This guarantees consistent access to our trusted team throughout the entire contract lifecycle, from the quote/bind stage and beyond.

Transparent coverage

Policy wordings that are clear, concise and transparent. We prioritise your understanding, ensuring you make informed decisions with confidence.

Broker centric

Brokers have their own processes and ways of working. At Kayzen, we operate flexibly dependent on broker requirements.

We listen, analyse and learn. Always adapting. Always evolving. Continuously improving. Kayzen

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