Get a quote online

Individual Directors Liability Insurance

This policy is suitable for directors’ current board positions of UK registered Private Limited Companies and Not for Profit Organisations only (whose assets and turnover are typically less than GBP 100m) and is designed to provide protection for their individual exposure. The Policy will sit above any underlying Directors or Officers or Management Liability policy and is triggered when the underlying policy cover is exhausted or there is no cover in place.

This policy is not intended for directors of professional sports clubs or any company whose activities are regulated by the Financial Conduct Authority.

Get a quote online

Buying your individual directors liability insurance couldn't be easier! Simply click on the "Get a quote online" button, fill out the short question set and receive your quote instantly on screen. If you want to go ahead - fill out the personal and payment details sections and your documents will be instantly emailed to you.

Contact one of our experienced brokers on +44 (0) 1323 648000 or e-mail us at

Why Buy Individual Directors & Officers Liability Insurance?

There are many reasons why you should purchase individual directors liability insurance, to help you decide if it’s the right product for you, we have outlined the main points in the policy cover to give you more information.

  • Provides cover for the individual rather than the corporate entity.
  • Ring fences the limit from other directors actions.
  • Limits available up to GBP 1,000,000
  • Covers up to 5 directorships
  • Nil Excess
  • Last line of defence where;
  • There is no D&O policy in force
  • Where a D&O Policy limit has been eroded
  • Where the company fails or refuses to indemnify the individual

What is covered?

Is it important to understand what a policy will cover you against before you purchase any insurance policy. The main points that individual directors liability insurance covers are outlined below. Both the policy wording and summary are available before purchase so you can decide if the policy is right for you.

  • Criminal proceedings
  • Regulatory proceedings
  • Disqualification proceedings
  • Employment Practice proceedings
  • Civil proceedings brought by;
  • A Company
  • A Shareholder
  • A Liquidator of a Company
  • Any other third party

What’s excluded?

There are a few exclusions on this individual directors & officers liability insurance policy that you need to be aware of before purchase, these are outlined below. If you have any questions or are not sure please contact a broker directly on 01323 648000.

  • Fraud and Dishonesty
  • Claims arising from prior circumstances
  • Breach of Professional duties
  • Claims arising from bodily injury
  • Claims arising from pollution
  • Illegal gain
  • Securities claims
  • Claims not arising in capacity as a director
  • Claims arising from property damage
  • Claims arising from publicly listed companies
  • Claims arising from company insolvency
  • Claims brought in the USA
  • Medical malpractice
  • Claims brought by major shareholder (15% or more)