Directors & Officers Insurance Policy


Directors & Officers Insurance Policy

Directors and officers liability insurance, often referred to and “D&O cover”, is an insurance payable to the directors and officers of a company or organisation in the event of legal action brought for alleged wrongful acts in their capacity as directors and officers.

The coverage of such policies can vary depending on the individual policy wording; however it can extend to cover defence costs arising from criminal and regulatory investigations. It is important to be aware that intentional illegal acts are typically not covered under directors & officers insurance policies.

Who needs Directors and Officers Liability Cover?

Whilst many businesses are covered under various business insurances such as public liability insurance, employers liability insurance and product liability, the individuals who work within the company are often left exposed to claims if they act improperly within their role.

Directors and partners of a company have responsibilities above and beyond other employees of the firm, with these responsibilities sometimes exposing the individual to personal liability for actions they make which may affect the company as a whole. This can leave them subject to claims which can then lead on to fines, compensation and even prison sentences.

Any company with a director or officer (or other leadership figure) would find D&O insurance to be a good defence against personal liability claims and the cost of financial compensation. Here at Erskine Murray, we understand the different duties of corporate directors and can source the right cover to mitigate the risks for your business. We use a variety of information to help us find the right level of cover for you, including the company turnover, business activities, your sector, the number of employees and more.

What does a Directors and Officers Insurance Policy Cover?

Erskine Murray acts as a broker, working with a wide range of insurance providers, so we do not have one specific policy to work with. A typical Directors’ and Officers’ insurance policy will include the following:

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

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SME Insurance by Sector

D&O Cost

The costs of directors and officers insurance can vary substantially depending on the cover required

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.