Directors’ and Officers’ Insurance (D&O Insurance) is a type of professional indemnity coverage. A standard Professional Indemnity Insurance (PI Insurance) policy mostly insures the company as a whole, while D&O Insurance provides coverage only for the company’s senior directors and officers against losses due to mismanagement of the company. In addition, rather than the usual claimant who are the customers or external regulators in a standard PI Insurance, the claimant under D&O Insurance is generally a shareholder in the company.

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It can be tough for you to choose between the two insurance policies, especially if you are in a budding company with limited funds. PI Insurance is usually suitable for company that deals with giving advice to clients, whereas D&O Insurance is usually suitable for listed companies that run mainly for the benefit of shareholders.

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*Subject to policy terms, conditions and exclusions