Protect your senior staff against liability claims

Directors’ and officers’ liability insurance (D&O) from Howard Insurance will provide financial protection against action taken by employees, shareholders and other interested parties.


Those working in a position of responsibility operate in a difficult corporate environment. Mistakes inevitably happen in the course of running any business, potentially affecting shareholders, employees and others, any of whom may pursue action against you.


In the event of a successful claim, the director may be personally subject to pay hefty legal costs.

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Policy benefits

Court fees

Investigation costs

Defence costs


PR crisis management

Reimbursement cover

Access to legal advice

Expert support

Directors’ and officers’ insurance acts as a safety net for your senior management, offering financial protection for them in the event of claim made against them due to a wrongful act.


This could arise from areas such as defamation, negligence and pollution. The costs to defend such a claim can easily reach into the thousands and can sometimes even result in a prison sentence.


In the event of such a claim, the overall business insurance won’t necessarily cover for these costs, unless it already contains D&O cover. We can review the existing business cover you have to check if this is present and if you have sufficient levels to reasonably cover for the full financial cost of legal proceedings.

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