Read Spanish VersionDirectors and Officers Liability Insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of Directors and Officers Insurance as a management Errors and Omissions policy.

Directors and Officers Insurance (D&O) is often confused with Errors & Omissions (E&O) Liability Errors & Omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance.

Directors and Officers Liability Insurance cover protects companies’ directors, officers and senior managers against claims arising from their decisions and actions taken whilst managing their business.

The duties of a director have been established through statutes, regulations and case law and can be broken down into the following areas:

Duty of Care and Skill

This is a common law duty that requires Directors to act with ‘the care an ordinary man would take in the same circumstances on his own behalf’ and with the skill expected from someone with his ‘particular knowledge and experience’. Where duties are delegated the Director is responsible for ensuring that the person to whom the duties are delegated is sufficiently experienced, reliable and honest.

Fiduciary Duty

Directors must act honestly, in good faith and in the best interest of the company and must ensure that he does not have any conflict of interest.

Statutory Duty

There are many statutes that affect the conduct of Directors and Officers including the Companies Act 1985, Insolvency Act 1986, Financial Services Act 1986, Environmental Protection Act 1990, Health and Safety at Work Act 1974, to name but a few.

How Can Claims Arise?

If a Director is perceived to have failed in any of his duties then a claim could come from any one of a number of third parties including:

• Shareholders

• Creditors

• Government and Regulatory bodies

• Employees

• Auditors

• Liquidators

• Customers

• Suppliers


The Directors and Officers Liability Insurance Policy will pay on behalf of the Director his legal costs and expenses and any civil damages awarded against him.


You may access our Policy Wordings and Proposal forms by clicking on the following links:

Policy Wordings

Proposal Forms


Please find below divisional personnel:


Graham Cuthbert



  • Why Choose Us?

    BRS are a professional independent niche broker

    • Highly Experienced
    • Access To Worldwide Markets
    • Over 35 Years Experience

    Get a quote

    • An error has occurred; the feed is probably down. Try again later.

    Butcher, Robinson & Staples: 3rd Floor, Sackville House, 143-149 Fenchurch Street, London, EC3M 6BN - Email: - Tel: +44 020 7337 0300 - Fax: +44 020 7929 0083

    Copyright 2012 BRS - Web design by SEO Local