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Our Approach

In a world that is becoming ever more litigious, company owners and shareholders alike will appreciate the value and comfort that having Directors’ and Officers’ liability insurance can provide. This essentially, is insurance cover that offers financial protection to those who are the Director, Partner or Officer of a company. The policy is designed to cover the cost of claims for compensation made against the insured individual.

A Director, Partner or Officer of a company have a level of responsibilities and duty they owe to employees, members of the public, investors and regulators. Being in a position of authority and trust exposes the individuals to personal liability for the actions or omissions they make in the performance of their company duties. This means that they can personally be the subject of claims which could lead to the payment of fines, compensation or imprisonment.

Below are some examples listed of potential exposures a Director, Partner or Officer could face:

  • Health and Safety or manslaughter claim (HSE)
  • Employment claim

Claims arising from:

  • a breach of duty or trust
  • negligence
  • defamation
  • the operation or administration of a pension or employee benefit scheme
  • (and) pollution.

Having Directors’ Liability Insurance as a part of your risk management portfolio protects you personally as it covers your own personal wealth, or that of any other insured directors, partners or officers, for defence costs incurred during a claim and awards made against you.

Coverage can extend to defence costs arising out of criminal, regulatory and disciplinary investigations.

It is not uncommon for civil and criminal actions to be brought against Directors and/or Officers simultaneously.


We take a cooperative approach to the risk management process, working with “select” underwriters to meet the client’s needs and expectations. That’s why, on some policies, we are able to source insurance terms – that offers a range of extras automatically provided free of charge such as Pollution Defence Costs (full limit), Personal Liability for unpaid taxes and Corporate Liability – for firms which meet underwriter’s criteria and discretion.

Underwriter’s criteria

Established firms in England and Wales with good claims and disciplinary records including:

– Firms with up to 20 partners

– Small firms with under five partners

– Sole practitioners

– Start-up firms

– UK-domiciled companies, including those with international subsidiaries, with turnover of up to £100M

– Wide range of industries including solicitors’ firms and charities

– Excess Layer business


Scholar and Partners believe that the standard Directors and Officers (D&O) policy offered by some has shortcomings and could be financially inefficient for those clients with specific business operations who are seeking to minimise their premium expenditure but still retain superior coverage.  Therefore, to address these limitations, we have access to a competitively priced Professional Indemnity insurance cover 100% underwritten and backed by “A-rated” Insurers. For firms which meet underwriter’s criteria, this scheme has a number of benefits and pricing advantages, which are summarised and detailed in the titled section What’s Covered.


DIC (Difference in Conditions) clause as standard throughout the period of cover
UK and International firms (including USA and Canada)
Management Liability package comprising D&O, Corporate Liability, Employee Practices and Fidelity cover with a range of extras automatically provided free of charge such as:
- D&O - Pollution Defence Costs (full limit)
- D&O - Personal Liability for unpaid taxes
- Corporate Liability - Contractual Liability Defence Costs
- Corporate Liability - Social Media Defence Costs

  • Nuclear, Chemical, Biological or Radioactive contamination • Information Technology
  • Asbestos
  • Nuclear Installations
  • Confiscation
  • Pollution unless from an act of terrorism or sabotage
  • Emotional distress unless as a consequence of physical injury
  • Strikes, riots or civil commotion unless caused by an act of terrorism
  • War


Next Steps…

Please feel free to contact us via the ‘contact sheet‘, and one of our friendly Scholars will be able to assist you with any query at a time convenient to you. Requesting a quote? Our Scholar can help you with that too.

Contact a Scholar

Additional solutions for your business?

Cover not listed? Let one of our dedicated Account Manager know your insurance needs and we can discuss all of the available options at a time convenient to you.