Directors and officers insurance

Specialist cover for directors and officers' liabilities from £5 a month*

  • Fast, easy online quote in just 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

It's a common misconception that directors and officers of limited companies have no personal liability for their actions at their firm.

In reality, company directors and officers can be held personally accountable for poor decisions, mismanagement and other breaches of the Companies Act, even if their actions were done with the best intentions.

Allegations of negligence by directors and officers can be very costly to defend. Without directors’ and officers’ insurance (also known as D&O insurance), you may have to pay defence and compensation payments out of your personal wealth.

What is directors’ and officers’ insurance?

Directors’ and officers’ insurance offers vital protection for you as a company director or officer. It pays your legal defence costs and damages that you are legally liable to pay to other parties following a wrongful act committed by you in your capacity as a company director or officer. This can include:

  • Actions brought by liquidators who suspect wrongful trading or incorrect payments to creditors
  • Actions brought by HMRC where insolvent trading or misappropriation of tax payments is suspected
  • HSE investigations where negligence is suspected
  • Police and SFO investigations where fraud is suspected

Why do directors and officers need insurance?

Personal claims or proceedings against directors or officers can arise from any decision made or act carried out in the workplace, however innocuous it may have seemed at the time.

Claims and proceedings where directors’ liability can be involved also typically include:

  • Claims by investors and shareholders who blame directors personally for losses
  • Actions brought by liquidators who suspect wrongful trading or incorrect payments to creditors
  • Actions brought by HMRC who suspect insolvent trading or misappropriation of tax payments
  • HSE investigations where negligence is suspected
  • Police and SFO investigations where fraud is suspected

Get directors’ and officers’ insurance UK – wide cover today. Call Markel Direct on 0371 705 2132.

Who needs directors’ and officers’ insurance?

It’s important to note that while the legal definition of a director is reasonably clear, the legal definition of an officer is vague enough to allow claims or proceedings to be issued against people in almost any managerial or supervisory position.

So while you may be confident that all of your company's directors are aware of their legal responsibilities, it is vital to understand that problems can be caused inadvertently by individuals at many levels of an organisation. In that sense, having directors’ and officers’ liability cover in place mitigates the potential risk across the business.

To learn more about company director insurance, Read our ‘What is Directors’ and Officers’ Insurance?’ article.

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What does directors’ and officers’ insurance cover?

Our D&O liability insurance covers your legal liability as a director or officers of the company, as well as your legal costs and expenses in respect of:

  • The defence of any legal action seeking your disqualification as a director
  • Any investigations
  • Extradition proceedings (including appeals)
  • PR crisis management – dealing with adverse press, publicity or media attention in the UK

Our directors’ & officers’ liability claims team can often help you to defuse difficult situations at the first sign of trouble; minimising the risk of a frivolous claim, or helping you direct claims or proceedings towards the company rather than individuals.

Should proceedings arise, our directors’ indemnity insurance covers a wide range of scenarios: from legal costs and damages where actionable mistakes have been made, through to arranging and paying for legal representation throughout lengthy and expensive official investigations. We can even arrange legal representation at a police station in the event of a director or officer's arrest.

Having directors’ insurance in such situations can be invaluable.

Why choose Markel Direct for directors’ and officers’ insurance?

✔ Legal advice 24/7
No need to wait for answers when facing a legal claim.
Our experienced solicitors are available to customers 24 hours a day, seven days a week.

✔ Quick quotes
Get a quote in as little as 90 seconds by filling in our easy online form.

✔ Customer satisfaction
Consistent and excellent service for our customers, as proven by our high ratings on

✔ Transparent fees
No hidden fees. If you want to change or cancel a policy, you won’t incur any extra fees either.

✔ Over 25 years’ experience
At Markel Direct, our business insurance policies have been designed to cover the risks facing your industry. For a directors’ and officers’ insurance quote, get an online quote or speak to our team today on 0371 705 2132.

Get a D&O insurance quote now

How much does directors’ and officers’ insurance cost?

D and O insurance is available from £5 a month* - get an online quote now or call us on 0371 705 2132.

You’ll receive instant proof of cover, meaning your directors and officers are immediately protected.

*Price based on a business consultant requiring £25,000 of directors’ and officers’ insurance.


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Policy Documents

Cover starting at £5 a month

Frequently asked questions

  • What kind of claims does directors and officers insurance cover against?

    Some examples of D&O coverage claims we have handled include:

    Breach of health and safety regulations: A huge pane of glass fell from a redevelopment project onto the pavement. No-one was injured but the Health & Safety Executive made a site visit. This revealed legislative breaches by the construction company. Actions were brought against the directors.
    Director vs director action: A husband and wife team equally owned a cleaning company. Following a messy divorce, the wife accused her husband of deliberately mismanaging the finances to distort the true worth of the business.

  • How are Markel Direct regulated?

    Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.

Cover starting at £5 a month

Cover starting at £5 a month

More specialist cover

  • Professional indemnity insurance

    Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and any compensation or damages subsequently awarded against you. This is essential insurance if you provide advice, designs or services to your client. Cover is available with limits ranging from £50,000 to £5m.

  • Public and product liability insurance

    Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. This is an important cover for consultants that regularly deal with clients or members of the public. Limits range from £1m to £5m.

  • Employer's liability insurance

    Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you employ staff, even on a part time basis, you almost certainly need this cover. Cover for £10m.

  • Office insurance

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property

  • Occupational personal accident

    Occupational personal accident insurance can help you maintain an income if you're accidentally injured at work.

  • Legal expenses insurance

    Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. Limit of £100,000.

  • Cyber and data risks insurance

    Cyber and data risks insurance helps you when you're the victim of a targeted cyber attack, paying the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit. It also pays your legal defence costs and damages you are legally liable to pay to other parties.

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