Directors & Officers Insurance

  • High levels of cover available

  • Wide range of trades/occupations accepted

  • Premiums from £115

We have over 40 years experience working with:

81% Of People Who Call Us


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At Property Insurance Centre, our priority is our customers, so whether you want to apply for quotes online, or speak to one of our experienced, specialist team, we aim to give you the best range of Directors & Officers Insurance Quotes.

As a specialist insurance broker, we strive to give our clients the best service with:

  • Independent broker with approachable staff online or by phone

  • Bespoke Insurance Schemes & Portfolio Policies available

  • Competitive Premiums

  • Cover available for the buildings while the property is being converted, renovated or extended


  • Excellent communication so that you understand what risks you are insured against

Who Needs Directors Insurance?

In 2006, The Companies Act introduced certain duties for Directors of companies. Until this act was introduced, these duties had never been laid out in statute before. They stated that the onus falls solely on the Directors to be aware of their duties meaning that a breach is now more easily identified and can result in claims being made against the Directors themselves. Therefore, if you are a Director of a company, Directors Insurance is essential for protecting your personal assets and your business against claims of negligence of care.

Who Might Make a Claim Against a Director or Officer?

As a Director or Officer you are at risk of having a claim made against you by anyone associated with your business. The most common people to make a complaint include:

  • Shareholders
  • Other Directors
  • Employees
  • Nuisance claims
  • Creditors
  • Auditors
  • Customers
  • Suppliers
  • Regulators

What cover does Directors and Officers Liability Insurance Provide?

At PIC we know that every business is different and therefore every Insurance policy should reflect the differing needs of a company’s directors. A typical policy can be arranged to include cover for:

  • Employment practices liability which constitutes a large proportion of claims
  • Harassment and Discrimination claims including sexual harassment and racial discrimination
  • Legislative Breaches – e.g. Companies Act, Health & Safety Act, Data Protection Act, Insolvency Act to name a few.
  • Alleged financial mismanagement of the company
  • Disputes arising from mergers and acquisition activity
  • Action arising from potentially libellous or slanderous statements made by Directors
  • Acting contrary to the company’s Memorandum of Association

How does Directors and Officers Liability Insurance work?

Directors & Officers Insurance works in two parts:

Once a claim has been made with the legal fees established, the insurer will reimburse any director, officer or employee for their liability for any wrongful act.

Secondly, the insurer will reimburse the company where it has had to indemnify a director, officer or employee.

The policy must be taken out by a company on behalf of the individual.