Lead boldly. Your personal assets stay protected.
Protection for directors and officers against personal liability arising from management decisions, regulatory investigations, shareholder claims, and employment disputes.
Directors & Officers (D&O) Insurance
Protect leadership decisions from personal liability
- Structure
- Side A + B + C
- Regulatory
- Investigation covered
- Entity
- Securities claims
- Markets
- Lloyd's & Financial Lines
Directors & Officers (D&O) Insurance
Protect leadership decisions from personal liability
Directors & Officers (D&O) Insurance protects the personal assets of company directors, officers, and senior managers against claims alleging wrongful acts in their management capacity. When shareholders, regulators, employees, or creditors allege mismanagement, D&O covers defense costs and damages that would otherwise come from personal wealth.
In an era of increasing regulatory scrutiny, shareholder activism, and employment litigation, D&O is essential for attracting and retaining qualified board members. Coverage extends to the entity for securities claims and provides employment practices liability protection.
Coverage & Reach
Who It's For
Who Needs Directors & Officers (D&O) Insurance?
Public companies with shareholder and securities exposure
Private companies seeking to attract qualified board members
Financial institutions under heavy regulatory oversight
Companies undergoing M&A, IPO, or restructuring
Subsidiaries of multinational groups requiring local D&O
Why It Matters
Key Benefits of Directors & Officers (D&O) Insurance
Personal asset protection for directors and officers
Regulatory investigation defense costs covered
Shareholder and securities claim protection
Employment practices liability included
Entity coverage for corporate liability
Extradition and crisis response costs
What's Included
Coverage Features & Capabilities
Side A Coverage
Protects directors personally when the company cannot indemnify them — insolvency, legal prohibition, or refusal.
Side B Coverage
Reimburses the company when it indemnifies directors for covered claims, protecting corporate balance sheets.
Side C / Entity
Entity coverage for securities claims against the company itself, including shareholder class actions.
Regulatory Defense
Coverage for defense costs from regulatory investigations by SEC, BOT, AMLO, and other authorities.
Important Information
Standard Coverage Exclusions
The following are typically excluded from standard policies. Specific terms vary by placement.
- Deliberate fraud or dishonesty established by final judgment
- Personal profit or advantage to which not legally entitled
- Prior claims or circumstances known before inception
- Insured vs. insured claims (with exceptions for derivative actions)
- Bodily injury or property damage (covered under GL)
How It Works
Your Path to Protection in 4 Steps
Governance Assessment
We evaluate your board structure, industry regulatory environment, shareholder base, and claims history.
Tower Structuring
Primary and excess layers structured to protect against catastrophic claims while optimizing premium.
Market Placement
Placed with specialist D&O underwriters at Lloyd's and international financial lines markets.
Annual Governance Review
Yearly review aligned to board changes, M&A activity, regulatory developments, and market conditions.
Claims
How Claims Work
A clear, structured claims process designed for fast resolution.
Immediate Notification
Notify us upon receiving any claim, regulatory notice, or becoming aware of circumstances that may give rise to a claim.
Coverage Analysis
We determine which policy side (A, B, or C) responds and coordinate with company indemnification obligations.
Defense Panel
Specialist D&O defense counsel appointed from our approved panel, experienced in director liability and regulatory matters.
Resolution
Claims resolved through settlement, mediation, or trial. Defense costs advanced throughout. Settlement requires director consent.
The Thai Insurances Advantage
Why Choose Thai Insurances
We are a single accountable insurance partner combining deep market access, specialist underwriting, and global claims capability — so your coverage is engineered as a system, not assembled from fragments.
- Specialist financial lines underwriting expertise
- Side A difference-in-conditions coverage available
- Regulatory investigation coverage for Thai and international authorities
- Attract and retain board talent with comprehensive personal protection
$4.2B+
Trade Value Protected
12,000+
Verifications Completed
87
Countries Covered
3,500+
Active Clients
Common Questions
Frequently Asked Questions
D&O protects directors and officers from personal financial loss when they are sued for alleged wrongful acts in managing the company — breach of duty, negligence, misstatements, regulatory violations, and employment disputes.
Explore Further
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From the Knowledge Hub
Ready to Secure Your Directors & Officers (D&O) Insurance?
Get a tailored proposal within one business day. Our specialists will structure coverage, terms, and pricing around your specific operations.
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Saturday: 9:00 – 13:00 (GMT+7)
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