Directors & Officers Liability

Directors & Officers Liability Insurance

Directors and Officers Liability Insurance, also known as D & O, is an insurance that covers the liability of the company as well as individuals against losses arising from wrongful acts.


Directors and Officers Liability covers losses arising from an investigation or claim against the company’s managers within the scope of their regular duties. Any managers decision, even if it’s well-founded, can result in a loss for the company or third-party, and that can make the senior members in charge liable. Ensures that your business is protected in the event of any interruption due to a claimant against one of your directors or officers.


In Hong Kong, Directors and Officers Liability typically provides protection against:

  • Damages, judgements, settlements, and related costs
  • Legal defense and representative costs
  • Extradition proceedings
  • Civil fines, penalties, or proceedings

Directors and Officers Liability acts as a safety net for your business and the company’s key stakeholders against problems that can be extremely costly and time consuming. The cost of Directors and Officers Liability depends on a number of factors, including age of the business, industry, revenue, debt, legal history, etc. At INLE Risk Management we can construct a policy that will fit your current as well as future needs to keep your business protected.

Benefits / Highlights
  • Comprehensive protection for your company
  • Coverage for individuals, attracting and retaining quality talent
  • Legal defense
  • Reimbursement coverage
  • Protection against regulatory exposures
Uses for Directors & Officers Liability Insurance

Know your business is protected against mishaps or missteps by any of your important senior members, executives, officers, managers and employees. Even the best managers can make mistakes, and with Directors and Officers Liability, you can safeguard your business and senior members against claims of breaches of trust, errors, omissions, misstatements, or breaches of duty in their line of work.


Directors and Officers Liability is a mainstay at all large multinationals, and is essential for all kinds of organizations. More and more companies are working on, or getting support from, jurisdictions other than their own – meaning that key managers now must keep in mind not only their own regulatory standpoint, but also the compliance regulations and corporate governance of a range of countries. The complexity of this multi-jurisdictional operations can put managers in tough situations. Common risk scenarios include:

  • Employment practices
  • Shareholder actions
  • Reporting errors
  • Inaccurate / inadequate disclosure, or misrepresentation
  • Failure to comply with regulations or corporate governance

At INLE Risk Management we provide your management team the protection they need to continue running your company smoothly and successfully.

  • AIG
  • AXA
  • Chubb
  • Zurich