DIRECTORS & OFFICERS INSURANCE AUSTRALIA
Directors and Officers Insurance.
Protecting leadership when decisions are challenged.
Directors and officers insurance helps protect the personal assets of company directors and officers when they face allegations arising from decisions made in their management roles.
- Protection for directors, officers and senior managers
- Support for defence costs and investigations
- Cover tailored to your organisation and governance risks
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Leadership Risk Focus
Advice centred on the personal and corporate exposures faced by decision-makers.
Tailored D&O Cover
Policy options shaped around your organisation, structure, industry and governance risks.
Defence Cost Support
Practical broker support when a notification, investigation or claim arises.
Australian Broker Advice
Clear explanations of policy limits, exclusions, conditions and extensions.
ABOUT DIRECTORS & OFFICERS INSURANCE
Protect Your Leaders.
Strengthen Your Organisation.
Directors and officers insurance, often called D&O insurance, is designed to protect directors, officers and senior managers against the financial consequences of allegations that they acted wrongfully in their management capacity.
Claims can arise from alleged breaches of duty, negligence, misrepresentation, misleading conduct, employment decisions, shareholder disputes, regulatory action or insolvency-related allegations. Even when allegations are ultimately dismissed, legal representation and investigation costs can be significant.
ABS Insurance Brokers can help your organisation assess its governance exposures and arrange directors and officers cover suited to its structure, activities and risk profile.
- Helps protect personal assets and company balance sheets
- Responds to allegations, investigations and proceedings, subject to the policy
- Relevant to private companies, not-for-profits, associations and larger organisations
- Run-off and continuity considerations for retired or former directors
WHAT DIRECTORS & OFFICERS INSURANCE CAN COVER
Protection When Directors and Officers Face Allegations
Wrongful Acts & Breach of Duty
May cover directors and officers for allegations of wrongful acts, errors, omissions, breach of duty, negligence, misrepresentation or misleading conduct arising from their management role.
Defence & Legal Representation Costs
Can help meet legal defence and representation costs for covered claims, investigations, inquiries and proceedings, subject to the policy wording and limits.
Regulatory Investigations & Inquiries
May respond to costs associated with certain regulatory investigations, official inquiries or examinations involving an insured director or officer.
Shareholder & Third-Party Claims
Can provide protection for allegations brought by shareholders, investors, customers, competitors or other third parties, where the claim falls within the policy.
Corporate Entity Liability
Some D&O policies include entity cover for the company when it is named alongside directors or faces a covered securities, governance or management allegation.
Run-Off & Retired Directors
Run-off options may help preserve protection for past acts after a director retires, a company is sold or operations change, subject to the policy and notification requirements.
WHY CHOOSE ABS
Why Organisations Choose ABS for D&O Insurance
Specialist Governance Focus
We understand the personal and organisational risks that can follow management decisions.
Tailored Policy Design
We help identify appropriate limits, sections, extensions, deductibles and run-off requirements.
Insurer Access
We compare suitable directors and officers insurance options through our insurer relationships.
Clear Explanations
We explain policy wording, claims-made requirements, notifications, exclusions and conditions.
Ongoing Broker Support
We remain available through quotation, renewal, organisational change and claims notifications.
Protect Your Decision-Makers
Speak with ABS Insurance Brokers about directors and officers insurance for your organisation.
DIRECTORS & OFFICERS INSURANCE FAQs
What is directors and officers insurance?
Directors and officers insurance, or D&O insurance, is designed to protect directors, officers and senior managers from the financial consequences of allegations connected with their management decisions. Cover may include defence costs, investigations, inquiries and settlements where the policy responds.
Who needs directors and officers insurance?
It may be relevant to directors and officers of proprietary companies, public companies, not-for-profits, associations, professional organisations, property groups and other businesses. The right level of cover depends on the organisation’s size, activities, structure, stakeholders and regulatory environment.
What does D&O insurance cover?
D&O insurance may cover allegations such as breach of duty, negligence, misrepresentation, misleading conduct, wrongful acts, shareholder disputes and certain regulatory matters. Coverage varies between insurers and policies, and limits, exclusions and conditions apply.
Does D&O insurance protect a director's personal assets?
D&O insurance can help protect personal wealth from covered claims made against an insured director or officer, but it does not cover every type of liability or intentional wrongdoing. The policy wording, claims process, exclusions and applicable law determine whether cover responds.
What is run-off cover for directors and officers?
Run-off cover is designed to continue protection for past acts after a director retires, a company is sold, or operations cease. D&O policies are commonly claims-made, so notification timing and continuity of cover are important. Your broker can explain the available options.