Director & Officer Liability Insurance

Director and Officer Liability Insurance – Leadership Backed by Protection

In the world of business leadership, every decision carries weight—and risk. Directors and officers are constantly exposed to personal liability due to the actions or decisions they take on behalf of the company. At Risk Relife, our Director and Officer (D&O) Liability Insurance provides essential protection to safeguard your leadership from costly legal claims and reputational damage.

What is D&O Liability Insurance?

D&O Liability Insurance protects corporate directors and officers from personal financial loss if they are sued as a result of their leadership role in a company. It also reimburses the company if it has to indemnify its executives for legal expenses arising from alleged wrongful acts, mismanagement, breach of duty, or regulatory non-compliance.

Who Needs D&O Insurance?

D&O Insurance is crucial for:

Board of Directors
Chief Executive Officers (CEOs)
Chief Financial Officers (CFOs)
Managing Directors
Company Secretaries
Start-up Founders & Key Decision-Makers
Non-Profit and NGO Trustees
Independent or Non-Executive Directors

Whether your organization is a public company, private business, start-up, or NGO—leadership always carries liability.

What Does It Cover?

Legal Expenses & Defense Costs
Claims of Breach of Duty or Negligence
Allegations of Misrepresentation or Fraud (Unintentional)
Wrongful Termination or Discrimination Suits
Shareholder Actions & Investor Claims
Regulatory Investigations & Penalties
Cybersecurity Lapses and Data Breaches
Claims from Competitors, Employees, or Creditors

What’s Not Covered?

Intentional criminal acts or proven fraud
Bodily injury or property damage (covered under general liability)
Claims made under previous or other unrelated roles
Contractual disputes beyond the role’s responsibilities
Professional services (covered under E&O Insurance)

Why Your Company Needs D&O Insurance

Attract and retain high-level executives
Protect personal assets of key decision-makers
Strengthen corporate governance and compliance
Safeguard against regulatory and shareholder claims
Reinforce investor confidence and trust

Why Choose Risk Relife?

Tailored D&O policies for businesses of all sizes
Expert claim handling and legal advisory
Global coverage options for multinational firms
Affordable premiums with flexible terms
Fast documentation and policy issuance