Why Choose Us?

Watkin Davies Insurance Consultants Ltd provides bespoke Directors & Officers’ Liability Insurance (D&O) across a variety of sectors.  Directors’ & Officers’ Liability or Management Liability Insurance (MLP) as it is now more commonly known, can be a complex policy type, and one which has continued to evolve over time, broadening its cover and wording.  Our team of experts work with you to ensure that we provide the right multi-dimensional solution, whilst ensuring you have a full understanding of the coverage provided across the various sections available within the policy.    

We source compatible solutions from a number of market leading insurers, taking into consideration the risk features of each individual organisation we work with to ensure that we deliver cost effective and comprehensive policies for our clients.

What is Directors & Officers Liability Insurance?

Directors’ & Officers Liability:
Directors’ and Officers’ Liability Insurance plays a significant role in protecting individual Directors against their personal liability should a claim be brought against them for their wrongful acts.

Company Legal Liability:
Key risks to your business include; Regulatory Investigations & Prosecutions, Employee & Third Party Fraud, Shareholder/Investor Claims, Cybercrime, Non-internet identity fraud, Contract disputes, Cyber liability, Pension claims, Data protection breaches, Pollution claims.

Employment Practices Liability:
This section provides coverage to employers against claims made by employees alleging, for example; harassment, discrimination, wrongful/unfair dismissal and failure to promote/negligent evaluation.

Pension Trustees Liability:
Pension trustee liability insurance also provides cover for the company and its pension plan. That’s because while in theory the trustee may be personally liable, in practice the risk is often carried by the employer or the pension plan by indemnities and exoneration clauses.

Crime/Fidelity:
This extension provides cover against fraudulent or dishonest activities carried out by employees or outside third parties, or collusion between internal staff and external parties such as suppliers, including investigation costs and expenses.

What Does It Do?

Directors’ and officers’ liability insurance – also known as D&O insurance – covers the cost of compensation claims made against your business’s directors and key managers (officers) for alleged wrongful acts.

Wrongful acts include:

• Breach of trust

• Breach of duty

• Neglect

• Error

• Misleading statements

• Wrongful trading