Directors & Officers Insurance


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Even though a company’s liability is limited, a Director’s liability isn’t. Without appropriate insurance protection in place, as a Director or Officer you, personally, could lose everything.

As a Company Director you are exposed to a large amount of regulation, financial pressure and legislation including Health & Safety law, Employment law, Lenders requirements and Shareholders requirements and expectations.

There are over 200 pieces of legislation for which you a Company Director or Officer could be held personally liable for. This could include, corporate manslaughter, company liquidation, misleading figures, unfair dismissals and workplace neglect.

Claims can arise out of breach of trust, breach of duty, neglect, error and wrongful trading.

If a case arises against you – not your company – but you personally as a Director of the business, you could be forced to pay compensation and legal costs in defending yourself. The worst case scenario is that you could lose all your personal wealth or even face a custodial sentence.

With a Directors and Officers insurance policy if you have to defend yourself against any allegations of wrongdoing in running the Company, your legal costs of “defending your corner” are covered.

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Protect yourself with Directors and Officers Liability Insurance

Even if you work for a small or medium sized business you still need Directors and Officers liability insurance cover. In fact, it is often considered easier to instigate legal action against smaller businesses, as larger organisations often have more people involved in decision-making, making legal action more complicated.

Low minimum premiums

Directors and Officers liability insurance cover can cost a relatively small amount for a great deal of cover, with premium starting at £150.

If you want to find out more about Directors and Officers insurance, then talk to us about your requirements. As independent business insurance brokers we have a great deal of experience in arranging Directors and Officers insurance.

We will take time to understand your business and make sure you have the correct insurance cover in place to cover all the risks your business may face. We deal with 5 leading underwriters and will ensure that you get the best cover and premium. We will work with you to ensure that your insurance needs are kept in line with your business requirements and that you fully understand your insurance policy and what it covers.

In today’s ambulance chasing culture you can’t afford to be under covered. It costs me less than £5 a week and gives me peace of mind should anything major happen….We’ve used Greenfield for a long time to sort out our insurance and we always get a good personal service. We wouldn’t keep using them otherwise!

Owner, Southampton Based Scaffolding Company

Call us now for a friendly no-obligation Directors and Officers insurance quotation and discussion on 01489 579808 or contact us now via our webform.

The Directors & Officers Liability Policy is specifically designed to provide protection for all Directors and senior decision making employees (Officers) of Limited Companies in respect of their legal liability to pay damages, claimants costs and other costs incurred resulting from the claim.

The claim must arise from actions resulting from the following actions:

  • Breach of duty
  • Breach of trust
  • Breach of contract
  • Breach of warranty or authority
  • Neglect, error or omission
  • Wrongful Trading

Still not whether you need Directors and Officers Insurance? Read some of our real-life Directors and Officers insurance claims stories and just imagine yourself in their shoes.

  • Depending on your business activities, we will discuss in depth your level of exposure to a claim and advise accordingly.
  • We will fully explain the Directors and Officers Insurance policy cover to you.
  • We will provide you with an ‘easy reference’ schedule.
  • You will have a dedicated account manager for the life of your Directors and Officers Insurance policy.

What happens in the event of a claim?

Our role is to ensure that any claim made is settled with the minimum of delay, this is demonstrated by our proven claims management procedures and dedicated claims system backed up by experienced members of staff.

FAQ for Directors and Officers Insurance Policy




We will advise on the cover best suited to your needs and circumstances.


We will handpick the best policy to meet your needs and requirements.


We will explain in plain English what the policy covers and options available to you.


We will ensure that you are made aware of any policy restrictions, excesses & theft protection requirements as applicable.


We will have a dedicated Account Manager for the life of your policy.



ETHICAL. THOUGHTFUL. EXPERIENCED. Greenfield would rather advise you correctly and not win your business,
to make sure you don’t suffer in the long term.

Established & Specialist Independent Insurance Services tailored for individual business needs, private clients and high value requirements. Greenfield has provided trusted technical advice from a dedicated UK-based team since 1989.
Working to a stringent customer charter and continuously trained to professional industry standards.

Why risk ruin for the sake of taking out an insurance policy? As a Director or named Officer, you could face personal litigation from several angles. You haven't got time, but we have.


Business Combined


Residential Property Owners


Commercial Property Owners


For a non-biased independent view, call 01489 579808

For a non-biased independent view,
tap to call 01489 579808




“I can’t fault anyone involved. The loss adjuster visited a couple of times and was very helpful; the builders were terrific and worked hard so we could reopen on time; and it was Greenfield that recommended a very professional insurance company in the first place. We now have a beautiful new basement and thanks to Greenfield, the whole experience was made so much easier than it could’ve been”


I think your service is amazing compared to other brokers. Nothing is too much trouble. You keep chasing me when I fail to get docs to you. Any claim I have had has been dealt with very quickly and I have always known where I stand. I would recommend Greenfield to any business or personal client.


The risk of potential repercussions and perils of obtaining inadequate insurance cover for us, and for our clients, is entirely removed by the professional insurance services offered by Greenfield Insurance. We can deliver insurance cover introductions to our clients in the knowledge that Greenfield will always provide the right cover at the right price.

Daniells Harrison Chartered Surveyors

Just a few words to say that here at Inside Outside design we have been pleased with your high quality of service and attention to detail in providing us with the policies that were best suited for our business needs.

Inside Outside design

Gallagher Mobility Aids have used your services over the years and find your company and the team very helpful.

Gallagher Mobility Aids