BUSINESS CLIENTS · LEADERSHIP
Directors and board members are personally liable, often without limit.
Free first consultation →The problem
A D&O claim can reach a director's personal assets. Wrong decisions, omissions or breaches of the duty of care: the personal liability of directors and board members is an underestimated risk, and one that can arise even when they believed they were acting correctly.
Our solution
We advise on directors' and officers' liability and work out what D&O cover is sensible and sufficient for your company and its leadership, including defence costs, company reimbursement and how the excess is borne.
Book an appointment →The hard facts
Unlimited
Directors are liable with all of their personal assets.
€50,000
Defending yourself, even against an unfounded allegation, often runs to five figures.
70–80%
of D&O cases are internal liability, meaning claims brought by the company itself.
Reversed burden of proof
The director has to prove that they acted with due care.
Worth knowing
Where duties are breached, a director is liable with all of their personal assets, with no statutory ceiling.
Most D&O cases are claims brought by the company against its own leadership, not by outsiders.
In a dispute the director must show they acted with due care, not the other way round.
Claims relating to a term in office can arrive years after leaving. An extended reporting period covers that.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
Why it matters
Protect personal assets
Where duties are breached, a director's liability is unlimited: house, savings, everything.
Unfounded claims cost money too
Simply fighting off a claim ties up five-figure sums, and the D&O policy carries those defence costs.
Think about run-off
Claims relating to a term in office can still arrive years after leaving, so agree an extended reporting period.
A free first consultation, in person, by phone or by video. You then decide how to proceed.
Book an appointment →