{"id":22971,"date":"2023-01-31T11:24:31","date_gmt":"2023-01-31T11:24:31","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=22971"},"modified":"2023-02-07T15:12:09","modified_gmt":"2023-02-07T15:12:09","slug":"whats-directors-and-officers-insurance-and-who-needs-it","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/whats-directors-and-officers-insurance-and-who-needs-it","title":{"rendered":"What’s directors’ and officers’ insurance and who needs it?"},"content":{"rendered":"\n

<\/p>\n\n\n

\n
\"Directors'<\/figure>\n<\/div>\n\n\n

However big or small your company, whatever work you do, you\u2019re always vulnerable to claims.<\/p>\n\n\n\n

We know you\u2019re sick of hearing this clich\u00e9. But it\u2019s true. Where there\u2019s blame there\u2019s a claim.<\/p>\n\n\n\n

And more often than not, it\u2019s the top dog that ends up taking that blame. Which is where directors\u2019 and officers\u2019 insurance can help.<\/p>\n\n\n\n

Maybe you\u2019re your own boss. Maybe you\u2019re one of several directors. Or maybe you\u2019re in a key management role.<\/p>\n\n\n\n

Either way. If someone thinks you\u2019ve dropped the ball and not done your job properly, they could sue you as an individual.<\/p>\n\n\n\n

That means your own personal finances<\/strong> at stake. Not just the company\u2019s. Yours.<\/em><\/p>\n\n\n\n

Money won\u2019t be the only thing on your mind either. If you\u2019re found to be in the wrong, you could lose the right to be a company director ever again. Worse still, you could be faced with criminal charges.<\/p>\n\n\n\n

Then you\u2019ll be feeling less top dog, more lowly rat.<\/p>\n\n\n\n

So, let\u2019s get down to business\u2026<\/p>\n\n\n\n

<\/p>\n\n\n\n

Directors\u2019 and officers\u2019 insurance explained<\/strong><\/h2>\n\n\n\n

What exactly is directors\u2019 and officers\u2019 insurance? (D&O for short.)<\/p>\n\n\n\n

In a nutshell, D&O insurance<\/a> <\/strong>is there to protect those in a position of power. If an owner, director or manager is sued as an individual, directors\u2019 and officers\u2019 insurance will cover their legal expenses and fork out any compensation owed.<\/p>\n\n\n\n

D&O is pretty unique. Whilst other insurances are there to protect a business and its reputation as a whole, directors\u2019 insurance protects the people behind it. Because being in charge means taking personal responsibility for your actions.<\/p>\n\n\n\n

There are literally hundreds of laws and rules you could be accused of breaking as a company owner or director. Health and safety breaches<\/a>, breach of company law<\/a>, financial misconduct \u2013 these are just a few common themes.<\/p>\n\n\n\n

Claims of this nature are usually very complex and involve a lot of investigative work. So, you can probably guess what that means\u2026 \u00a3\u00a3\u00a3\u00a3\u00a3\u00a3. Yes, unfortunately, more work for the solicitors means bigger fees for you. Directors\u2019 insurance will pay for any investigative work to be carried out.<\/p>\n\n\n\n

Then there\u2019s employment practices, which are covered by an add-on to D&O called employment practices liability insurance<\/a> (EPLI). And here\u2019s where you really need to pay attention. Because a sizeable percentage of claims come from disgruntled former or current employees.<\/p>\n\n\n\n

We\u2019ll tackle EPLI next.<\/p>\n\n\n\n

<\/p>\n\n\n\n

What\u2019s EPLI and what does it cover?<\/strong><\/h2>\n\n\n\n

As well as the Employment Act<\/a>, there are several other sets of laws designed to protect employees. The scales are definitely tipped in the employees\u2019 favour when it comes to the law, and perhaps rightly so.<\/p>\n\n\n\n

But it does mean some extra effort and attention is needed on your part. You need to know what your legal obligations are where your staff is concerned and make sure you meet them. Because not knowing you were doing something wrong is no real defence.<\/p>\n\n\n\n

There are all kinds of issues that can arise. Think unfair dismissal, harassment, breach of contract, retaliation, discrimination, failure to promote\u2026 The list is endless.<\/p>\n\n\n\n

And claims of this type are on the rise. Due to the pandemic, social movements, Brexit and various other external factors, employers are seeing a considerable increase in claims from unhappy employees. That\u2019s why EPLI has become an essential part of any business insurance package.<\/p>\n\n\n\n

With EPLI added to your policy, your legal expenses and compensation pay-outs are covered if a claim of this nature is made against you. Helping to keep your bank balance and your reputation intact.<\/p>\n\n\n\n

Employment law claims are sometimes unavoidable, but there are plenty of things you can do to prevent them happening unnecessarily. Like regularly checking your company policies and employee handbooks are up to date and relevant. Also ensure they\u2019re fully transparent and that your employees understand them.<\/p>\n\n\n\n

If you do run into problems with an employee, make sure you document everything<\/em>, through all stages of the complaint.<\/p>\n\n\n\n

<\/p>\n\n\n\n

What\u2019s the difference between directors\u2019 and officers\u2019 insurance and professional indemnity insurance?<\/strong><\/h2>\n\n\n\n

A sensible question, and one that\u2019s easy enough to answer.<\/p>\n\n\n\n

Picture this \u2013 one of your employees gives a client questionable advice, which leads to a huge financial loss. This would be covered by professional indemnity insurance.<\/p>\n\n\n\n

But the client also decides to sue the company\u2019s board of directors for failing to hire someone with adequate qualifications or provide appropriate training. That\u2019s where D&O comes in.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Do I need directors\u2019 and officers\u2019 insurance?<\/strong><\/h2>\n\n\n\n

Er, probably, yes<\/a>.<\/strong><\/p>\n\n\n\n

If you\u2019re a sole trader or self-employed, you\u2019ll probably find professional indemnity and public liability insurance can adequately cover your needs. But if you\u2019re registered as a limited company, you\u2019ll probably want to consider D&O insurance.<\/p>\n\n\n\n

If a client is unsuccessful in claiming against your limited company, they can then claim against you personally, as the director, and go after your personal assets. Best be prepared with D&O then.<\/p>\n\n\n\n

You might think that being a small company makes you less of a target. But in reality, it just makes you more vulnerable.<\/p>\n\n\n\n

You\u2019re just as likely to be faced with a claim. But being a small business, chances are your funds aren\u2019t limitless.<\/p>\n\n\n\n

A claim of financial mismanagement, or worse still \u2013 corporate manslaughter, could see defence costs reach a six-figure sum.<\/p>\n\n\n\n

Without insurance to back you up, that could be your house, car, or holiday fund all down the swanny. No thank you.<\/p>\n\n\n\n

<\/p>\n\n\n\n

How do I get D&O and EPLI insurance?<\/strong><\/h2>\n\n\n\n

That\u2019s another easy one.<\/p>\n\n\n\n

Whether you own a small, limited company or sit on various directors\u2019 boards across different companies, directors\u2019 and officers\u2019 insurance with EPLI is definitely worth putting at the top of your insurance wish list.<\/p>\n\n\n\n

You can get a quick online quote here<\/a>. Or if you\u2019d prefer to talk to a real human about it, give us a ring on 0345 222 5391<\/strong>. We do email too: contactus@policybee.co.uk.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

However big or small your company, whatever work you do, you\u2019re always vulnerable to claims. We know you\u2019re sick of hearing this clich\u00e9. But it\u2019s true. Where there\u2019s blame there\u2019s a claim. And more often than not, it\u2019s the top … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[132],"tags":[159,137,150,140],"class_list":["post-22971","post","type-post","status-publish","format-standard","hentry","category-small-business-advice","tag-directors-and-officers-insurance","tag-insurance-explained","tag-managing-risk","tag-running-a-business"],"acf":[],"yoast_head":"\r\nWhat's directors' and officers' insurance. 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