Directors' and Officers' insurance

Shared culpability is how the legal system views directors and officers of an organisation: you could end up fighting a court battle over something your colleague did, even if you didn’t know. D&O protects you against claims made against you or your co-directors within the scope of your everyday business. 


There are plenty of insurers willing to take on this risk. The challenge is choosing the right one. Your Howden risk consultant will endeavour to secure the most comprehensive protection for you, at the right price.   

What does Directors’ and Officers’ Insurance cover?

In the event you are sued personally, D&O Insurance is there to pay for costs relating to mounting a defence, and any damages or settlements relating to the matter. 

Any allegation made by a third party against a director or officer, no matter how frivolous, needs to be vigorously defended, otherwise there is a risk of judgement being entered in default of a defence. 

  • Entity cover for employment practices liability claims
  • Official investigations 
  • Entity cover for securities claims (for listed companies)
  • Retired directors
  • Crisis management

How do claims come about?

Directors’ personal liability for the performance of a company is unlimited. If the shareholders want to sue for mismanagement, they can - and do, quite frequently. 

The last few years have seen a rise in claims on directors’ and officers’ policies, due to more stringent governance guidelines and increased oversight by regulators.

Other areas that give rise to claims include:
  • Positions on outside boards 
  • Wrongful termination, sexual harassment or discrimination 
  • Initial public offerings 

Directors and officers can be held liable for their own actions and inactions – and the actions of their co-directors. Getting the right protection in place means you can do business with confidence.   
 

Protect your family from your business

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+971 4357 3835 

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Find out more information about grievance procedures here.

Our office locations:

Dubai
Latifa Towers
East Wing – Level 1
Trade Centre 1, Sheikh Zayed Road
Dubai, U.A.E.
P.O. Box 49195
Location

Howden Specialty
Gate Village 5, Level 4, Office 401
DIFC - Dubai, UAE
P.O. Box 482078
+971 4 223 9964

Sharjah
Office 1701, Level 17
City Gate Tower, Al Ettihad Street
Sharjah, UAE
Location

Howden Guardian
New EMI State Tower
Office - 103 & 104
Airport Road, Abu Dhabi - U.A.E.
P.O. Box 51012
+971 2 491 3777
[email protected]
Location

Abu Dhabi
Office - 1010, Level 10
Al Obaid Office Tower, Airport Road
Rashid Al Maktoum Street 2
Abu Dhabi, UAE
P.O. Box 44897

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