Directors & Officers Liability

Get several deeply researched insurance options in less than 10 seconds:

  • Options explained simply.
  • No personal information.
  • Buy immediately, if you want.
  • Risk held letter issued in 48 hours.
  • Enter company and revenue. That’s it.
All fields required
Industry Classification

Thank You

We will call you back within 24 hours.

Leave a message and we'll call you back.

Directors & Officers Liability Insurance Features

Universally Accepted
Insurance recognized by investors, external agencies and international companies. Meets contractual requirements that you may have.
Comprehensive Cover
Cost of litigation against any executive or director of the company covered; Can be customized for litigation in India or worldwide.
Original Retroactive Date
Covers claims related to any event after the retroactive date. This is specified as the start date when the first D&O insurance was bought. Ensures that cases that come about several years after the incident also covered.
Un-named Insurance
You do not need to list out all the directors and officers for the insurance. This makes administration simple, particularly if there are frequent changes in executives, officers or directors.

How to ensure claims are paid?

Ensure Retroactive Coverage

Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of D&O insurance then the retroactive date is reset to the start date of the new insurance. Ensure timely renewal and carry forward of retroactive coverage.

Declare known issues

Claims that come about from an issue that was known before the insurance was bought are rejected. This can further make the policy voide for non-disclosure. Report all known issues and outstanding claims in the proposal form.

Set high level of major shareholder exclusion

Litigation by major shareholders is excluded. The insurance carries a definition of major shareholders, generally linked to shareholding. The limit can vary between 15 and 30%. We can prevent rejection on this ground by increasing the major shareholder limits to cover most investors.

Why SecureNow

Product Knowledge

We have specialized liability underwriters and tie-ups with international experts.


We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added

We will advice you on risk management best practices.

Policy Administration
System (PAM)

See all your contracts renewal information in one place. Place service requests on PAM.


Director and officer policy protects the director and officers of a company against vulnerabilities of the following nature , although not restricted to these –
  • Claims levied by shareholders
  • Accounting irregularities
  • Cases of sexual harassment and discrimination
  • Matters related to corporate governance
The premium rate of D & O insurance is majorly decided upon the size of the company, the profile of the director or the supervisor officer, the sum insured, nature of business and the past history of the company.
The scope of D & O liability insurance policy is quite wide that ranges from losses incurred by the organization to cost of legal advice, law suits etc. In order to get a better understating of the scope of the policy, do check with your insurer regarding the same.
The following personnel, persons or entity can file a law suit against the director or officer of an enterprise –
  • Present or former employees of a company
  • Public and Regulatory bodies
  • Customers
  • Competitors
  • Shareholders/Stakeholders
Companies can buy D & O insurance policy for their directors and officers online by comparing quotes from different insurers.
The key exclusions under the directors and officers liability policy is as under :
  • Prior claims and litigations
  • Bodily injury and property damage claims
  • Guilty of partaking in illegal activities or practices
  • Pollution claims

Search Insuropedia - Enter Your Question.