Personal liability protection for company directors and senior management.
Directors & Officers (D&O) insurance protects the personal assets of directors and senior managers when they're sued for decisions they made in their role. Regulatory action, shareholder claims, employee suits, and creditor claims can all reach personal wealth — D&O is what stops that.
We place D&O for listed companies, private firms, startups, and NGOs — sized to the real exposure of the board rather than a generic limit.
Direct protection for directors and officers when the company cannot or will not indemnify them.
Reimburses the company when it indemnifies directors and officers.
Cover for the company itself in securities claims (mainly for listed entities).
Legal costs of responding to investigations by regulators — JSE, FSCA, Competition Commission, SARS.
Claims from employees for wrongful dismissal, discrimination, or harassment — often bundled within D&O.
Continued protection for past directors after they leave the board or the company is wound up.
Public companies, financial services, and regulated industries where director exposure is highest.
Family businesses, PE-backed firms, and owner-managed companies — where directors are also the personal creditors.
Charity trustees and non-profit directors carry similar legal exposure but often assume their volunteer role is uninsured. It doesn't need to be.
We analyse your risk profile in depth — exposures, loss history, contractual obligations, and strategic priorities — so the placement reflects your actual business, not a template.
We structure and negotiate terms across our panel of domestic and international insurers, selecting wordings and limits calibrated to the specific risks identified.
Through the life of the programme we manage renewals, mid-term changes, and claims — acting on your behalf in every conversation with the insurer.
A named advisor will walk through your current cover, flag likely gaps, and outline where the market is pricing competitively.