Insured organisation and leaders
The organisation, directors and officers whose management responsibilities should be represented.
Decisions & balance sheet
Directors & Officers
Support directors and officers when management decisions are challenged.
Directors & Officers addresses claims against directors, commissioners and officers arising from alleged wrongful management acts.
Introduction
What is Directors & Officers?
Directors & Officers is commonly considered by boards, executives and organisations with regulatory, investor, employee or creditor exposure. It can address claims against directors, commissioners and officers arising from alleged wrongful management acts.
What it protects
What can the policy protect?
The scope of Directors & Officers should clearly define the insured interests and the protection required.
Wrongful acts and default
Alleged wrongful acts, defaults, breaches of duty or errors in management decisions.
Misrepresentation
Allegations that management information or representations were inaccurate or misleading.
Employment practices
Selected allegations involving employment decisions or workplace practices.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Management allegation
A director or officer is accused of a wrongful act, breach of duty or misrepresentation.
Regulatory investigation
A regulator investigates the conduct of the organisation or its leaders.
Shareholder or investor allegation
A shareholder or investor alleges that a management decision caused loss.
Employment-practices allegation
An allegation arises from a selected employment decision or workplace practice.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Banks & Financial Institutions
For regulated organisations where governance, data, people and financial confidence are closely connected.
Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Mining, Metals & Minerals
For remote, capital-intensive operations with heavy equipment, specialist people and complex logistics.
Garment & Textiles
For labour-intensive production, valuable stock and delivery commitments across local and export markets.
Independent financial lines review
Review Directors & Officers with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.