Directors & Officers Insurance

SME Insurance 

Directors & Officers Insurance

Defending directors and officers against damaging claims.

It is often believed that directors of a business do not have any personal liability responsibilities regarding their business actions, after all, most businesses have some form of public liability insurance. The truth is, that while the company can be covered with public liability protection and other types of business insurance, the individuals who work within the company are left unprotected in the event of acting improperly.

We understand the challenges directors and officers face and will source suitable cover to help mitigate their risks and plan out suitable risk management. To ensure we provide the right level of D&O insurance, we will consider factors such as turnover of the company, business activities, sector, number of employees and more.

Our directors and officers insurance policy coverage includes:

  • Up to £5m Directors and Officers Liability Insurance
  • Past, present and future Directors covered as insured persons
  • Any One Claim settlement basis
  • Employment practices liability cover for the company
  • Liability insurance cover for the company
  • Broad definition for actual or alleged Wrongful Acts

What is Directors and Officers Liability Insurance

Directors and officers insurance is a type of insurance policy which provides financial protection for business directors, partners and officers (usually in managerial roles). This type of insurance covers the cost of claims for compensation made against the insured individuals, rather than the company as a whole.

Directors, partners and officers within a company have many responsibilities, to their employees, members of the public and their shareholders or investors. These responsibilities can sometimes expose the individual to personal liability for actions they make which affect company performance. This can mean they are personally subject to claims which can lead on to fines, compensation or prison sentences.

Who Needs D&O Insurance Policies

If your company has directors, or key managers, then directors and officers insurance would be a good way to offer protection against personal liability claims and the cost of financial compensation. D&O liability insurance also covers the individual for the cost of defending within official proceedings such as court hearings or prosecution in the most serious cases.

D&O insurance can cover claims made by regulatory bodies, shareholders and investors and creditors. It can also cover claims brought in cases of breaching European legislation as well as insolvency. Get your quote for SME insurance and D&O cover with Erskine Murray today.

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SME Insurance by Sector


Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Claims Support

We will act on your behalf, to manage your claim from initial notification to settlement. We will also make sure you are kept up to date throughout the entire process.