Directors Officers Liability

Directors & Officers Liability

As a director or manager, you can be held personally liable for decisions taken within the company. KBRS looks at how to cover that risk.

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Who it's for

Who this cover is for

Managers & directors

For those who run a company and can be held personally liable.

Boards of directors

For companies with multiple directors who take decisions jointly.

Family businesses

For directors within a family company structure.

Fast-growing companies

For businesses where investors or external parties are involved in governance.

What we insure

Protection for your personal assets

Management errors

Liability for decisions that later lead to damage.

Liability towards shareholders

Claims from partners or investors about the policy pursued.

Liability towards creditors

Claims in case of bankruptcy or financial difficulties of the company.

Defence costs

Cover for legal costs in a proceeding against a director.

Liability towards employees

Claims related to staff policy, such as a disputed dismissal.

Former directors

Cover continues for decisions made during a previous term.

Possible solutions

Options to consider

D&O insurance (Directors & Officers)

Aimed at the personal liability of directors.

Allegations about management decisions
Claims following a bankruptcy
Disputes with shareholders
Defence costs

Extension for directors of subsidiaries

For group structures with several companies.

Mandates in subsidiaries
Entities abroad
Changes in the structure
One contract across the group

Combination with professional liability

For directors who are also operationally active.

Board mandate and executive work
Overlap between the two roles
Managers of smaller companies
One file in the event of a claim

Risks identified

What we look at

Company structure and number of directors
Financial situation of the company
Investors or external shareholders
Prior disputes or proceedings
Existing insurance
Blind spots in your current cover

Pricing

What affects the price

1

Company form

Type and size of the company.

2

Number of directors

Number of people to be insured.

3

Revenue and balance sheet total

Financial size of the company.

4

Insured amount

Desired maximum insured capital.

5

Conditions

Exclusions and retroactive cover.

Why KBRS

Why choose KBRS

Independent advice

We compare insurers and explain the cover clearly.

Personal risk analysis

We show where your personal liability as a director effectively begins.

Claims support

In case of a claim, KBRS guides you through the entire process.

Frequently asked questions

FAQ

Duidelijke antwoorden over verzekeringen, risicoanalyse en schadebegeleiding.

Is directors' liability insurance mandatory?
Am I also at risk as the manager of a sole proprietorship?
Does this insurance also cover proceedings after a bankruptcy?
Am I still covered after the end of my term as director?
Can KBRS review our existing D&O policy?
What should we do if my liability as a director is invoked?

Ready to cover your personal liability as a director?

KBRS reviews your company structure and gives clear advice on the right D&O insurance.

03 202 50 30