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Liability insurance
Directors and officers liability insurance
Directors and officers’ liability insurance (often called D&O insurance) is designed to protect directors, officers and employees involved in the management of a company, from personal loss resulting from legal claims made against them while they perform duties on behalf of the company.
A company’s board of directors and officers are personally at risk. They are accountable for all aspects of corporate governance, including business failings, oversights or omissions. Family trusts and the company’s limited liability status may not be enough to keep a director’s home and other personal assets safe.
What does directors and officers liability insurance cover?
Directors and officers insurance reimburses the costs resulting from law suits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances and other acts committed in good faith. Possible legal action can arise from:
- employees - including wrongful dismissal, harassment, unfair work practices and unsafe work environments
- third parties - including shareholders, bond holders, creditors, liquidators, competitors or regulators
Help with directors and officers insurance
We can advise you on the best business insurance solutions to protect you against the financial outfall of claims made against officers and company directors. However, every director’s situation is different and warrants expert advice. Your broker can provide this guidance for you and will work with you to develop an insurance package to cover your risks. In the event of a claim, we'll work as your advocate to help get a fair and prompt result.
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Liability solutions
Public liability insurance
Protects your business in the event of claims made by the public in connection with your business' activities.
Statutory liability
Statutory liability insurance can protect businesses against certain unintentional breaches of NZ law
Employers liability
Employers liability protects employers against claims brought by employees who have sustained a personal injury not covered by ACC
Professional indemnity
Professional indemnity insurance is designed to cover professionals who provide advice
Directors and officers liability
Directors and officers insurance protects your executives and board from personal financial risk
Employment disputes
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees
Product liability
Product liability insurance protects against claims of personal injury or property damage caused by a business
Crime and fidelity
Crime and fidelity insurance protect organisations from losses arising from dishonest acts committed by employees
Trustees liability
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust
Liability consequential loss
Responds to financial losses suffered by a business, following a business interruption that's a result of a liability insurance claim
Criminal defence legal costs
Provides cover for costs incurred in legal disputes brought against you, company officers and employers
Internet liability
Internet liability insurance provides specialist protection often not covered in general liability policies