Directors & Officers (D&O) Insurance
Directors & Officers (D&O) Insurance
Running a business comes with responsibility — and increasingly, personal risk.
At Oakwood Insurance Brokers, we help protect directors, officers, and senior decision-makers from the financial consequences of claims made against them personally.
Because when things go wrong, it’s not just the business that can be held accountable — it’s you.
What Is D&O Insurance?
Directors & Officers Insurance protects individuals in leadership positions against claims arising from decisions made while running a business.
This includes allegations of:
- Mismanagement
- Breach of duty
- Negligence
- Errors in decision-making
- Misrepresentation
- Failure to comply with regulations
Even if a claim is unfounded, defending it can be costly and stressful.
Why It Matters
Many directors assume their business insurance will protect them — but that’s not always the case.
D&O Insurance is designed to protect your personal assets, not just the company.
Claims can come from:
- Employees
- Shareholders or investors
- Clients or customers
- Regulators
- Competitors
And they’re becoming more common, particularly around employment issues and regulatory compliance.
What Can Be Covered
We tailor policies to your business, but cover typically includes:
Legal Defence Costs
Covers the cost of defending claims — often the biggest financial burden.
Damages & Settlements
Pays compensation awarded against directors or agreed settlements.
Employment Practice Liability (EPL)
Covers claims such as:
- Unfair or constructive dismissal
- Discrimination or harassment
- Wrongful termination
- Workplace disputes
Regulatory Investigations
Support for investigations by bodies such as HMRC or other regulators.
Corporate Legal Liability
Protection for the company itself where appropriate.
Reputational Protection
PR and crisis management support to protect both you and your business.
Who Needs D&O Insurance?
If you’re making decisions in a business — you should consider D&O.
This includes:
- Company directors
- Business owners
- Partners in partnerships
- Trustees and committee members
- Sports clubs & leisure organisations
- Padel hubs and fitness businesses
- Start-ups and growing SMEs
If you employ people, have clients, or make financial decisions — your exposure is real.
Real-World Risks
We’re seeing increasing claims in areas like:
- An employee alleging unfair dismissal
- A director accused of mismanaging company finances
- A business partner dispute
- Regulatory investigations into company conduct
- Claims of misrepresentation when raising finance
Even if you’ve done nothing wrong — the legal costs alone can be significant.
Why Choose Oakwood
We don’t just arrange cover — we help you understand where your real risks lie.
- Tailored D&O solutions aligned to your business
- Access to leading UK insurers
- Clear, practical advice — no jargon
- Support when it matters most, especially during claims
We’ll make sure you’re properly protected — both as a business and as an individual.
Protect Yourself, Not Just Your Business
Your business may be limited — your personal liability isn’t.
Get a D&O Quote
- Speak to our team today
- Request a callback
- Or send us your details for a quick review of your current cover
Get in touch!
Whatever your insurance needs are, let us provide you with a no obligation quotation. Our Insurance Consultants can quote for any insurance you need, car, building and contents, or travel, pets and commercial. You will be surprised by the length and breadth of our insurance cover. We are just a phone call or email away.
Oakwood Insurance Brokers is a trading style of Oakwood Consultants 2015 Ltd which is authorised and regulated by the Financial Conduct Authority (676060). Registered in England & Wales company number 09338511