Directors & Officers (D&O)
A decision you make for your company goes wrong, and people come after your personal money. D&O (insurance for company directors) keeps your assets out of reach.
What it covers
A claim against you
You are held personally responsible for a decision made for the company. The insurer defends you.
A clash with investors
A shareholder feels misled about how things were run. Their claim is covered.
Legal fees
Defending yourself costs money, even when you are cleared. Those fees are covered.
Management fault
A creditor or an employee accuses you of poor management. You are protected against that action.
What it does not cover
- If you siphon off money on purpose, no insurer will cover you.
- If you knowingly commit an offense, it stays excluded.
- If a dispute between partners is not in your policy, it is not included.
Who is it for?
You have investors
If shareholders put money in, they can come after you when results disappoint.
You are growing fast
Hiring and new markets multiply the decisions that can be challenged one day.
You run the company
As a president or director, you can be sued on your personal assets for your management choices.
Frequently asked questions
Is it only for large companies?
No, it actually becomes key from your first fundraising. Startups are among the most exposed.
Does it cover me if I commit a real criminal offense?
No, offenses committed on purpose are never covered. D&O protects your management decisions, not fraud.
What if my company goes bankrupt?
That is often when D&O matters most. It can defend you if you are accused of poor management before the liquidation.
From when am I covered?
Cover kicks in when the claim arrives during your policy. The date of the alleged facts does not matter.
Ces garanties vont souvent ensemble
Professional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability (the cover for mistakes in your work) picks up the bill for you.
DigitalCyber
One morning your files are locked and a hacker demands a ransom. Cyber insurance pays for the recovery and the crisis response.
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